I have not used paper dollars for 10 years.
It is only credit cards for me. So one can say I am already using digital currency.
Wait until that ESG policies kick in. You know, the Environmental and Social Governance that is slowly creeping into the banks and corporations. Plus there is a newish entity we just found out about yesterday that our bank joined called Yodlee that messed up our accounts for a few days that almost got a couple of our credit accounts closed! Apparently they are involved in a lot of your major banks now and we know nothing about them except they are cloud based. Have to do more reading. Anyway, what’s to stop the banks from closing your accounts if they think you are not spending your money “the right way”. You know, like your parents and your allowance when you were a kid?