[Tilted Irish Kilt]

Secret Agent Man :" Coming here.
They dont want you to save, they will charge you negative interest rates.
They dont want you to have untraceable transactions.
They want to be able to completely cut you off from your funds if they want to"

This is a trial balloon to see how depositors react to non-monitized electronic currency controlled by bankers and the government.
Notice that the RIGHTS and ABILITY to tender into legitimate currency is being curtailed and controlled by government.
It was government that made the decision to go all electronic, even though hackers hare known to hack into accounts.
It is a matter of time before the electronic firewall is broken through, and the depositor holds only old deposit stubs.
There is no current effective security to electronic funds.
This is a "fools errand", especially in a country that just banned the purchase of gold by individuals.

[Secret Agent Man]

Well,see govt can raid you funds and blame it on a hacker. Or the bank. Or they can open the door for a ‘trusted hacker’ to have access to your account. So many ways this can happen.