This is what _you_ need. Ursula and her friends want to know where _you_ spent _your_ money.
The biggest problem for adoption of digital payment in everyday lives is, that for token payments the transaction fees are to high.
In case of 0.5€ for using a toilet the fixed transaction costs can be up to 0.25 €, if the entity processing your payment is using stripe or a similar business.
And globally their have the bargaining power because indirectly their are the gang that are in command of the banking regulators in the end...