I think there are still so many people around that are not ready for the cashless transformation. there are so many people that doesn't even know about crypto especially those who are living in mountainous place that is unreachable, however modern technology is slowly influencing the modern world there are many people that is now using atm and there are also people that use bitcoin. this is a sign that the  world is now slowly adapting cashless transformation but there are still many people that is not ready for this.