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This sits at an interesting nexus: I don’t like centralized digital payment systems, especially those run by the government, and I don’t like the destruction of cash. But interference in another country’s system of monetary exchange seems worse. I guess this is a case where everyone is the bad guy.
I recently figured out buying a pack of gum at the closest grocery store and using cash-back at the register is actually a cheaper way to get cash than the ATM outside the store charging $3 for a withdrawal.

I dare anyone to tell me with a straight face that this is a well-run, efficient system we have going. Profit-seeking in capitalism is meant to incentivize new ideas and greater efficiency. Currently though its mostly incentivizing throwing a wrench in any solution that leads to less profit. The tail is wagging the dog.