I don't understand the sentiment - how does relinquishing control of the hardware help us? I see a possible future where the banks/governments give the people devices to use for these things, and I don't like this future, as these would surely become spy instruments.

ATM's are disapearing. There used to be one at every corner. Now, I have to travel to the next village that has just one left at the train station.

Cash is positioned as suspicious. In 10 years, it might very well be illegal.