But even the wages we receive are not real money, but virtual. Then someone transforms them into paper ones, but it becomes less and less. It is very convenient to pay online.
Previously, people paid with gold and silver. Then the precious metals stopped using in circulation to pay for work and purchases. And they came to other money. They became paper and metal. This led to the fact that in this world began to use this method. Perhaps once the electronic currency will become the main one in the whole world. But not now.
I do not understand why you think so. I pay everything with a card. Travel, food, utilities and the like. It is convenient and many people use the means. Almost everywhere there are terms. So why not just reprogram them?