Its being forced though - its partly choice, partly lack of choice (forced).

In my area there are shops that do not accept cash. How is that even legal?!

Also, supermarkets have automated tills that only take cards. They also have ones that take cash - they all used to take cash - but the ratio is definitely swinging to card.

Not to mention all the ATMs that are disappearing.

So, this is a form of coercion.

If you put all that together with a govcoin, the scene is set for tracking of everything.