If you're politically undesirable you can still use cash. You can even use prepaid credit cards. But moving to a world where your money and ID are linked will make it much more difficult. There isn't really any denying it. It's part of the point. They aren't being secretive about that.

What do you imagine the goal is here? Efficiency?

My opinion doesn't matter here. I imagine most people wouldn't be able to survive a regular month if they were left to whatever money is stored at their house. Maybe more if they sell memorabilia and go into some survival mode. What's the practical loss of freedom with the digital wallets for people who already pay with card for sub-5 EUR purchases?

Using a card for low cost purchases is a reversible convenience whereas this system turns financial participation into a revocable privilege strongly tied to your ID that can be controlled at a single point.

Which of the points: tied to an ID, reversible isn't met by a typical card?