[jacobgorm]

I'm in Denmark, and the last car I bought was from a private seller on a Sunday, we met at a coffee shop and settled the (large, cars are expensive here) payment via an instant bank transfer that I initiated from my laptop. The money immediately showed in the seller's account and we transferred the title/registration via a government online service (which is free of charge).

Easy as that, no need for checks or cash.

[tekknik]

In the US, it’s quite possible your bank may not exist tomorrow. This just happened with two banks here. Plus during natural disasters you won’t be able to load up your laptop to transfer money for groceries, or NFC for that matter. These things still need cash.

[frumper]

No need for people that understand and trust the systems you used. That doesn't mean everyone understands how to do what you said, but they can count cash just fine.