Cash is dying, and the unbanked are being left behind

I have a few more real world examples:

First, in northern Canada, food and other merchandise in brick and mortar(cash accepting) stores has a premium of typically 150%-200% applied to the products under the guise that it costs more to have it shipped into northern towns.

So people without bank accounts living in the north have no choice but to pay this premium if they only have cash, but if you have a bank account you can order the exact same stuff online at aleast half the price the stores are charging and get free two day shipping.

Secondly, people without bank accounts get to pay a premium to cheque cashing centers if they get paid by cheque, even trying to cash a cheque in the bank and branch location where a cheque is drawn from will result in a surcharge of five dollars or more if you dont have a bank account with them.

Finally most credit cards offer a cash back scheme where 2%-4% of purchases is given back to the purchaser. In a free market system based on supply and demand cash back schemes increase prices for all purchasers but people who pay cash do not get the rebate.