There are places in the world where people still use natural resources more than fiat currencies to transact. In Sub-Saharan Africa a grandmother will grow a crop of tomatoes to trade for two chickens and 40kg of rice. She will earn 1.50$ per day otherwise. It would be great for her to use e-cash to make those transactions, But a 100$ smartphone is a serious investment for an elderly woman who relies on her 8 grandchildren to help her along in life. I am just stating it is worth doing some market research to find real world use cases.

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If people are still using barter, that's fine, they don't need money.

If they do need money, I'm suggesting e-cash could be converted into PHYSICAL CASH. I don't know how to be more clear, you don't seem to be reading my words. PHYSICAL CASH. PAPER BILLS. I'm not suggesting an African grandmother needs to buy a smartphone. You're the one implying that e-cash isn't worth developing because you need a smartphone to use it. I'm the one arguing you might not need a smartphone to use it.

No. I am arguing that ecash fits a niche group of people technologically adept enough to use ecash effectively. Not that it is not worth developing, That it has an extremely small market fit.