It's not a straw man, it's literally the scenario the guy I was replying to was talking about ("if your accounts are frozen"). If you had a bank account like a normal person, and then you are surprised by your account being frozen, you are going to be almost as screwed whether physical cash exists or not, because you won't be keeping that much cash on hand anyway.
Cash was the normal way to pay for things before the ECOA so I don't think it's comparable to today, where nobody uses cash anymore. You used to be able to be paid in cash, or in a cheque you could cash at the grocery store. Now you probably need to have your pay deposited into a bank account, which you may only be able to access electronically, so if your account is frozen you are far more screwed.
Cash was the normal way to pay for things before the ECOA so I don't think it's comparable to today, where nobody uses cash anymore. You used to be able to be paid in cash, or in a cheque you could cash at the grocery store. Now you probably need to have your pay deposited into a bank account, which you may only be able to access electronically, so if your account is frozen you are far more screwed.