If there's a guarantee that, within reason (by that I mean, if you're literally trafficking people or something of the like, that's not reasonable), you can spend your money, what's the issue?
What happened in Canada strongly indicates that a cashless society is as bad as it sounds. China did it and, well, we don't have to guess what happened next. Canada, a Western country with lots of "freedoms", did what it did because those truckers, etc... were a "threat" to "democracy".
I advocate for every form of payment to be conducted without restrictions: cash, deposits, debit, credit, crypto, etc... That's true freedom, not eliminate all options but credit/debit.
> Canada, a Western country with lots of "freedoms", did what it did because those truckers, etc... were a "threat" to "democracy".
Can you stop exaggerating for dramatic effect? You can agree with them all you want, but occupying public places for weeks in a highly disruptive normal is a threat, yes. Anywhere on the planet, try pulling the shit those people did (half of what they were protesting about didn't exist, and the other half was obviously misinformed nonsense fundamentally misunderstanding a pandemic; they were obviously fed, and quite publicly sponsored by, the American far-right nonsense politics), and you'll see what happens.
As members of society, we cannot condone a violent and disruptive occupation of public places for weeks on end. Even if we agree with the cause (and to be clear - nobody sane could agree with their cause).
Anarchy might be fine for you, but it isn't for most. Hell, many people can barely tolerate a regular protest, let alone a multi week aggressively disruptive one occupying a public space.
But there can't be any such guarantee, because a centralized system is too easy to take control of. If a government at some point wants to freeze your assets, you're done. With cash, at least you have some options.