Central bank digital currencies will make cash obsolete faster than most people realize, and I think that's a dangerous path for financial inclusion. Last year I helped my elderly neighbor set up online banking because her bank branch closed, and she still calls me whenever she needs to check her balance—pushing everyone to digital-only would leave people like her stranded. While fintech apps are convenient for those with smartphones, there are millions who don't have reliable internet access or digital literacy, and removing physical cash as an option would disproportionately hurt them. Does the efficiency gain of CBDCs justify excluding a significant chunk of the population from everyday transactions?