Another issue would be low income and “unlawfully” employed individuals who take cash as payment. I’m not talking about dealers, but perhaps immigrants and those getting paid in cash for their labor.

Access to digital currency is also a trick. If you live in a large metropolitan city, you have access to internet, banks, ATMs; but if you live out of town or in the country, or maybe just don’t have reliable transportation and internet, you are also screwed.