How would you pay them after 2023 when the world goes cashless? See cash only has "value" because the government says so, and because the government bet up counterfeiters and throw them in jail, as well as upgrading the layout regularly to make them harder to counterfeit.

Once the government stops doing that cash will be super easy to counterfeit and will die of on it's own while people voluntarily abandons it. At this point, most people only knows about bank accounts and will take the only option they know about. Lot's of criminals will get caught, and while mass arrests are ongoing, new prisons being built and so on they take the opportunity to also arrest dissidents.