Go to a clearing can only afford technologically advanced countries with a large urbanization, that is, a large percentage of the urban population and above all - with a greater standard of living. Countries with medium and weak economies can not afford it, because people are not yet ready for this. In addition, I still do not believe that the state can completely refuse cash and go purely to use non-cash money. It seems to me that part of the general public will not want to give up cash. In some cases, their use is more convenient than different bank cards.