Because we already keep all the computers, the network and payment processing anyway.
Like 99% of physical payments are already involves computers anyway, even if it is done with a paper/plastic note.
So it's not "replace notes with computers" but "get rid of notes because computers are there anyway".
Anecdote: I don't have a card linked to Uber, so I pay with a cash or a C2C transfer.
In the last two years if I ask the driver if they prefer cash or C2C they consistently prefer C2C - because it's way less hassle for them and also they often claim they are short on change.
And in the another anecdote I still carry cash on me but I use it only for a taxi rides and a one local smallware shop, so they wouldn't need to pay the processing fee for the 50c things.
Like 99% of physical payments are already involves computers anyway, even if it is done with a paper/plastic note.
So it's not "replace notes with computers" but "get rid of notes because computers are there anyway".
Anecdote: I don't have a card linked to Uber, so I pay with a cash or a C2C transfer. In the last two years if I ask the driver if they prefer cash or C2C they consistently prefer C2C - because it's way less hassle for them and also they often claim they are short on change.
And in the another anecdote I still carry cash on me but I use it only for a taxi rides and a one local smallware shop, so they wouldn't need to pay the processing fee for the 50c things.