I still worry they pretend not to want something to get the masses demanding it (similar to my Trump theory). They have already made it to where one should be wary of having any sizable amount of cash on them, especially when traveling.

https://www.forbes.com/sites/instituteforjustice/2014/03/12/cops-use-traffic-stops-to-seize-millions-from-drivers-never-charged-with-a-crime/#4456a833f54b

The I10 corridor is famous for this. Then all the regulations to force permits for anything to do with cash (even yard sales and kool aid stands). With a cashless digital money they would have their records to dip their hands into whenever they want. I would not be surprised if their final solution will be to have two or more layers to this, one for the common person and another that is hidden under the pretense of national security. They love using that one to hide their corrupt operations.