I’ve always felt that a cashless monetary policy was designed so people could not work for cash and avoid taxes.
Plus rates would skyrocket. When it’s physically impossible to break the law, consent of the governed becomes a quaint anachronism. Smugglers and tax cheats and their methods keep us all freeer by making tyranny difficult.
Governments will always cloak their goals with what you've stated and for security/crime fighting reasons.
Think of the implications to a ca$hle$$ society. The government will know every single transaction, every purchase, every movement. Scary if ya think about it for a spell.
Those who advocate cashless can go to hell. It’s nothing more than a way for the government to efficiently take whatever the hell it damned well pleases from those who earn money, and give it to those whose a$$es it kisses in return for votes.