Convenience is a relative concept, rather than an absolute concept. I guarantee your grandparents did not find cash an inconvenient thing. But to this day, many people still find cash as easy to use as te little payment - often easier because you don't actually need the account structures er. So i think cash, of you, if you're looking at how you build a resilient payment system that can stand different types of shocks, you wont a balance between digital fast systems and more localized physical systems.

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