Govt surveillance is a non-argument. You already have everything the government needs to track all your movements and most of your activities - your smartphone. Economics are a different issue though.
True your smartphones would make a great tracking tool for the government agencies and they do use them as Snowden has shown us but if you still do all your transaction via hand to hand cash then they can't track your finances as much as they would like to.
I'm happy to have a cashless society as long as i get to choose what method i want to use to transact my money, i don't want it if all transactions have to go through one of the big banks, or even a small one for that matter.