I don't know how true the relationship between the cashless lifestyle and safety actually is, but it works and I feel ok; I'm not sure that the prospect of a few hours of national blackout once in 20 years will make me change my mind significantly.
As an added benefit, no bank knows where I bought and when, which I find is a great advantage over the alternatives. (I also use Gpay; this comes from someone who just found a good middle point without forgetting about the more reliable, physical and privacy friendly option)
I didn't mean literally zero cash, but once the bulk of your transactions are by card, you don't need to constantly go to the ATM and replenish your cash reserves
Of course I get that carrying coins and notes is cumbersome, but if we've managed to live all through the 80's and 90's with it, I think we can manage to keep doing it. 100% digital money is giving up on a huge level of self-determination and privacy that I wouldn't feel comfortable with, but I guess as newer generations grow up already pre-adoctrinated and not being able to compare the before-and-after, in the end society will end giving up.
I once used an aggregator app to summon a handyman to my place. My request was simple: move two pieces of furniture around my very small apartment.
So I find a reputable service within the app, I schedule it, and they send a guy. He shows up to my door breathless, with some kind of sob story about a vehicle breakdown. I dismiss that out of hand and he gets to work. He did a fine job and it didn't take very long.
Then we get to the point of settling up, so I announce I'm going to pay in the app. He looks really disappointed and says he usually takes cash. I realized at this point that he was ready to shake me down, and also he would incidentally be discovering where I stashed my cash, when I reached for it with him there in the room. So disappointed. So I send the money out in the app and I show the confirmation screen to the guy. And I felt so bad that I followed up with a tip in the same fashion.
But at the end of the day he was just a garden-variety cash-in-hand scammer and I had no reason to feel guilty, because I had unwittingly outwitted him by trusting the app. And the company had no qualms about it.
Another time, I had a very short cab ride to the laundry. And it did not take long for the driver to spin a gigantic tale about his auntie addicted to gambling used up all their savings and they was really hurting for money. I was shifting uncomfortably wondering why I was hearing this. So the cabbie parks the car and his POS machine shuts off. He's like "oh it's out of order" so here he is, shaking me down and expecting me to go fetch cash to put in his grubby hands.
I stared him up and down, started taking photos, and got out of there. I discussed with dispatch. They said if he's not accepting cards and I intended to pay by card, I owe him nothing.
So again a cash-in-hand sob-story scammer was foiled. The cab service was crazy enough to assign him to pick me up additional times. This is why I ride Waymo, folks!!!
The laborer was simply trying to actually get paid vs. deal with the overhead of the app. Somewhat shady perhaps - since it routes around the company taking their cut for finding him the work, and likely avoids taxes. I've paid these sorts of guys cash every single time I've used such a service and exactly zero of them have "shook me down" or cared where I stored the money. They make so little already I'm happy to help them out with a smile.
Cabbies simply want cash for pretty much the same reason. They get charged an astronomical "service fee" by the cab company, and likely are avoiding taxes as well. I agree that such a situation is more shady in general, but I've actually had (NYC) cops side with cabbies on this topic and force me to go get cash at the ATM or get arrested. I also use car services now over cabs whenever possible due to this reason - mostly for convenience, never out of fear of being robbed though.
The chances of you getting mugged/stolen from for using cash are just the same as the chances of you getting mugged for no apparent reason walking home. Perhaps the collective dis-use of cash has reduced these odds, but you specifically is utterly irrelevant.
