Wrong. Consumers love cash. Citizens should love cash. Citizens should never, ever allow only digital currency: your privacy will be eliminated. They will track Every. Single. Transaction. Forever.
Banks and tech companies also will constantly push for transaction fees and other costs every time you seek to use your "digital money." You will be constantly taxed, charged, gouged to use your own money.
This already happens with credit cards via the ubiquitous interchange fee, a massive tax all of us are paying to use credit cards. And it also happens with outrageous fees for out-of-network ATMs. It will be much, much worse with digital currency -- because there will be no alternative, which is exactly what tech, banks, and the corrupt Federal Reserve want.