I read the problem is solved by electronic money oh my god but more fees will come out for shipping ,unfair policies for residents who have little money because the interbank costs will swell up bank that will benefit again and again ,quite sad and to overcome this I am sure too citizens will switch to using crypto and a big adoption will occur
Crypto too will have unbearable fee once it become popular enough to be overcrowding its own network just like what happened to bitcoin and ethereum every price spikes which means a lot more activities than usual. Although we may find a way to overcome the blockchain limit regarding to this but I do find your statement makes sense since digital cash will charge quite of the fee once their phase of burning money or in otherword marketing to gain userbase ended.