A 'Britcoin' has been proposed for the UK by both Boris Johnson and Rishi Sunak, therefore who knows.

I think that cash or at least a physical token for 'bartering' at the very, very least will always be here - especially if Sergei presses the 'shut all the digital terminals off' button from his home computer in Russia.

Having seen people go nuts when App and Card terminals go down, cash will always have its place whether people like it or not.

There's room for App, Card, Cash/Physical Token and Bitcoin/Crypto as payment options - one doesn't have to rule, all can rule together and coexist.