This won't work out for you. It just turns into technically being able to, but it being practically impossible. In Sweden (i.e. basically your future), we're already there.
Then we have another problem. Cashlessness. There are fewer and fewer places that accept cash for payment and even if they do some of them won't have change (since it's so rare that other people are paying in cash).
I have a friend now who was cut off from the BankID (and thus cashless) system and it's quite a struggle for him. He has to constantly have other people (i.e. us) do things for him, or drive 40km to one city or another during specific hours to do things (since all the local outlets for everything closed since 99% of people do 99% of everything online now).
How does one get shut out?
Perhaps a story of his life now could be told to whatever politician may make sense? (I just do not know that for your part of the world)
Seems to me there must be some basic government run thing to manage this. Using corporations has too many problems.
And you may tell me BankID is government! Hope not.
The government isn't requiring BankID except for on their own services (where sometimes other options are provided). It's kind of just the most convenient thing that all agencies and businesses end up using. There's no laws around it, I mean. They all opted into it. It's run by a private consortium of banks.
The non criminal part in all this does carry serious weight with me, and on that basis I agree more with you.
It is harsh. It does not need to be.