Genuinely curious - what do you think will happen (and what would be used)?
I genuinely can't imagine most of the people in my life (be that older relatives, non-tech friends, whoever) using anything but whatever 'money' is convenient. None of them care the government might be watching, and if they were going to barter for anything they're probably already doing it ("you help me with this DIY, I'll take you for dinner").
FWIW I'm in the UK, so perhaps my perspective is skewed?