depends on what the replacement for cash is. If it's private credit cards that lock the marginalised out then yes. If It's some frictionless digital cash replacement like a few of the central bank currencies that have been floating around I'd welcome it. Seeing how long it took for people to receive covid relief funds, if you could just distribute money to everyone in a country instantly it'd be a step up.
even homeless people these days often have a smartphone. (and I have for a while argued that we should give every person without a residence one so they have access to basic digital services). It's for sure easier than to bring bank services to them. Also, stealing digital money is much harder than stealing cash, which is very easy to steal.
There's obviously problems with this, mostly revolving around identity, but that's true for all forms of banking. But getting someone a phone and an account and being able to trivially send them money is pretty safe and realistic to set up.
