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My only issue with this is that my friend's small business got robbed of all cash. It took a week of card-only transactions to have enough in the accounts to withdraw cash and be able to make change for people.
It took way longer before any insurance paid out.
Going card-only was the only way they stayed in business until then and made it work.
Outside of that, yeah, I get it.
My thoughts on it too; it really hits people who are either underbanked or unbanked entirely. Not to mention the fact that US currency specifically says on it "For all debts public and private".