You are asking people to change all the ways they think about money:

• Money is now taxable.
• Money takes 10 minutes to an hour to spend.
• Credit cards can lose their balances.
• Credit cards have no refunds nor consumer protection.

People don't change even one thing easily, much less such a laundry list, unless there is some amazing compelling reason for them to.

People are like cows. They want to go along "mooo, mooo". They don't want new things or hassles, unless it is about Britney Spear's navel or their Xbox.