I do not worry about mass surveillance that much. With all the cameras anonymity of cache quickly disappears in any case.

What really bad is when a police or any arbitrary guy representing a state can order to freeze all the cards and bank accounts for an individual. This is already happening in Russia and is used not only against political activists but sometime against arbitrary persons through police bribes by their enemies. If a person does not have savings in cash, he or she may loose access to all his money in a moment and it takes often weeks to fight those illegal freezing orders. One can literally starve while doing that.