It's good to be constructive in your expression, maybe you are a Nigerian and letting the present cash crunch control your emotion. It would have also been nice if you could name the countries in Africa, Europe and others that are facing the cash crunch, I doubt if you would be able to name up to 5 of them.
Zimbabwe was the African country that was battered by it but is getting over it before the case of Nigeria in which the main target of the government is to counter Money laundering, Vote buying, Kidnapping and many other menaces in the society.
In regards to Nigeria, would you really say that what the government did with the redesigned and less printed money with the reasons you listed above really worked? We understand they were accusations and counter-accusations about the Naira redesign and what was the result of the election? It was only the normal citizens that felt the pain and still feeling the pain. I personally don't have any problem with that cos nothing wrong with going Cash-less only if every aspect of the economy will follow suit.
Everybody is feeling this cashless policy, my dear, it doesn't leave the rich and politician out of it, even POS payments is now changing money. To me, the initiative is very good but ill-times and was sabotaged by politicians and ordinary people. Till now, politicians are stockpiling again their lost money with the new notes to return to business as usual with their "Ghana must go" and unsuspecting people are building businesses on the suffering of others.
Money is leaving the bank but not entering, there is now an imbalance that only God will save us. Still, I will not blame the government for this, it's a good development but fought back by the overambitious people.