I agree with you in part.

But even cash will soon be traceable thanks to rifd chips.

Besides, that's the way it is. If you use a Crypto.com or wirex Visa/Mastercard, you even get 1% credited in cryptocurrencies. A transaction with Hive is very cheap with 0.001 Hive, but only because Hive is still quite cheap in fiat money.

A mini transaction with Bitcoin or Ethereum is much more expensive than the 3% of the banks with their credit cards.