They have dangled the newfangled convenience gadgets and people aren't buying it. They will make a push for the 'cashless' society, hard, because that will be the only way they can herd the money into accounts where it can be charged maintenance and transaction fees on a percentage basis, which will be how the negative interest rate will be presented.
It is all in what color lipstick is on the pig, not whether there is a pig underneath it.
Plus when they want to give you a haircut it’ll be just a push of the button.