A bigger problem may even be the dependence on US companies for payments. This was mentioned by the head of Riksbanken in an interview the past week. He mentioned Mastercard and Visa, and the Swedish payment system Swish. He did not mention that Swish requires IOS or Android.
I hate that food shops like sweetgreen are cashless, just because the they can’t trust their tellers is not a reason to outright refuse the ability to purchase.
I'm perfectly capable of operating in a cashless society, but I also absolutely do NOT want to operate in it.
Without cash, you are operating in a "social credit" society, and those of us on HN can clearly see the problems with that.