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Elon is always obsessed with WeChat's model. (For those who don't know about WeChat, it is basically the name of the 'Everything app'.)
Everything in one single point is pretty convenient but has led to a bunch of risks...
Leave a risk that you know in the comment.
Convenience and marketing will always win at the end. We're heading that way anyway. People use Apple Pay and Google pay and don't think for a second what it means. Other forms of ID are going that way too. People want ecosystems without having to lift a finger. Just let big brother take care of everything.
What, you want to talk privately? Use cash? What do you have to hide?
On the other hand, Google/Apple Pay are both pretty great products that replace a horrendous legacy payments system. Recall that for like 40 years the most innovative consumer payment system looked like this. And it was essentially a duopoly as well (Visa/Mastercard).
At the end of the day, cash is still a thing as well.
Well, some countries indeed still commonly use payment systems from 50 years ago. That's pretty bizarre. I remember hearing about PayPal 20 years ago, how revolutionary it is, and I didn't quite get what the big deal is. That's because all around Europe we had secure online payments (secure against theft and such, not against the bank snooping) since the late 90's, and chipped cards even earlier.
But anyway yea... In person, cash is king. Let's keep it alive. Some countries are planning to phase out cash, and that really is only because we're letting it happen due to our lazyness.