What we see in the future, which we have probably already seen in some countries, like Norway and Sweden, where cash has been so marginalized but never total out [of the system]. The government had to say, "It is illegal to refuse cash."
Of course, we are very far from that because there are many islands in the Philippines that do not have a cellphone signal. But in those economies that are highly modernized, [that is closer to reality]. By the way, in one economy I know, your traffic ticket fine is higher if your income is higher. That is how good the data system is.