That is fair and I thought of that “old people might legitimately need it” case too when writing my other comment. But even that might only be the case for another 10-20 years.

I would actually be surprised if homeless people remain cashless for much longer, if a substantial number are even cashless now. I am pretty sure even people without permanent addresses can open bank accounts and almost every homeless person in the US has a smartphone. Any homeless people not being directly handed cash or working under the table/doing low-level crime would probably have no reason to use cash. Over time, they probably will not be directly handed cash as much because I don’t think most people will keep carry cash if their only use for it is to give it to beggars.

The other use cases you mentioned are definitely pro-privacy but clearly those blocks are not influential or powerful enough to get governments to allow for private digital transactions. Time will tell but I think it’s really only old people who’d struggle to adapt that are keeping us on cash.