[Margaret Pilkington]

That would worry me.
It takes no account of those who are not internet savvy(this tends to be the elderly) and those on very limited budgets.
When you have real cash money in your purse.....and you know this is all you have, you know when the purse is empty your spending power is done.
It is far harder to keep track of your spending on a card....especially if you have no mobile device to track your money.
There is also the concern of security of your cash....getting scammed.
It marginalises those who are already marginalised.....and it puts power into the hands of unscrupulous bankers.