It would have been interesting if the journalist went a little deeper and researched why the adoption rate was so poor.

How hard was it for a middle aged farmer to actually download and set up the app to get $30 out of it?

And to your point, how many citizens are using cash primarily because its untraceable? When people say they prefer cash, The journo should have followed up with 'why'?

I suspect one of the larger reasons this failed is due folks above age 40 not given it a shot because of how complex it all is to use for them.