In the modern era, prior to bit coin, tho is no digital cash. All you have is a liability of venmo or pay pal or j p morgan to give you a thousand dollars. Instruct my bank to make a payment to your bank, which then has an obligation to you. And i am someone who thinks that privacy is important. I think consenting adults should be able to pay each other without a third party or a government saying, no, you're not allowed to make that payment for whatever it is.