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.