Going cashless is a bad idea, but it’s not a conspiracy.

(…) imagine a million blindfolded people tied together, trying to find a direction to walk. They collectively form a system, but its interdependence is so complex that it’s almost impossible for people to coordinate. This means they default to some lowest common denominator, vaguely stumbling in a direction without knowing why. This resembles how our global economic system works.
(…)
There was a time when the automobile industry seemed ascendant, and bikes were pushed off the roads, but we built a cultural movement to demand bicycle lanes. That’s why we should see cash as being like the public bicycle of payments, and support efforts across the political spectrum to protect and promote it.