The advocates of digital-payments, mostly the promoters, make the point that cash is expensive and digital money is perfect. It costs large sums of money to pay to produce, handle, protect and count our currency. Every scheme involving digital cash has a way of producing profit. Often, each transaction is taxed by the scheme, so every product or service you purchase costs a little more. Even the more common use of ATM cards, a form of electronic transfer, costs the user directly or indirectly.
Credit cards collect from both the buyer and the seller.
Electronic transfer of money from your bank account to your hand or to a merchant is a very advantageous and money saving technique for your bank. Unfortunately, your bank does not pass these savings on to you. Often they even add charges. Digital money, in all its forms, increases costs to you and produces profits for its sponsors. The physical use of cash is funded by the taxpayers and its use makes a profit for many companies and lending institutions.