The interesting part to me is all 'money' is electronic these days! The only difference is who "owns" it. 'Them' or us.
Crypto is so big now & growing by the hour, there is no way a few bankers can stop it now, "cat is out of the bag" IMHO and Plastic cards (like a visa) are starting to appear by private companies. I won't be long before the 'visa' part also gets consumed / replaced maybe by phone apps & paypass technology.
I hope your friends are OK