Why this is important: People are being persuaded that cash and similar payment mechanisms are outdated and only useful for criminals. This is not true. If you're a lower income person, lowering or eliminating fees is vital. That means avoiding payment intermediaries whenever possible. All the "modern" or "advanced" payment mechanisms that I'm aware of have fees.
Also, if you think back a few years, some people suddenly had their PayPal funds that they'd sent to Wikileaks seized. They eventually got it back, but having an intermediary suddenly diverting or blocking your payment is a serious warning against ever using them again.
https://www.asomo.co/p/casino-chip-cashless-society [www asomo co] A great analogy that is useful for thinking about the various (sub-) currencies that we fail to consider when we think about $NATION's currency.