Economists would surely love the anonymised spending data, were it to be made available. Though it would have to be heavily aggregated to avoid any individuals being identifiable by their spending times and locations. Retailers would presumably save by not having to pay fees to Visa, MasterCard, Stripe, etc. For consumers, I assume that at first it will be used by early adopters just for the novelty value. Maybe eventually there will be some small monetary incentive to use it instead of visa. Conspiracy theorists will say that they're going to ban cash and force people to use it. Conspiracy theorists are wrong.