Woow...
It looks like you are seeing the future. I don't know what is your basis for this but, to be honest, 5-10 years is not enough to completely dissolve physical and turn into digital transformation. In fact, many people are still don't know about crypto, don't even know how to use phones (esp for the oldies). And how this cashless mode of payment will be fair and comfortable for everyone?

I don't disclose any possibility to make it happen but it takes decades, or until such time that national banks won't print paper money anymore. But for now, we are just considering this as another option cause I know, once this pandemic will be over people will turn back into using fiat money again.