testaccount372920

Straight up telling the world that they’ll break the law…

Only if all that information is collected and stored. Digital finance systems tend to track every transaction and keep a record of them (because of legal requirements among other reasons). With cash in an envelope a government can't check all the info you suggested a year after the payment has happened, perhaps not even after a few days.

The Dutch banks have started replacing iDeal with Wero as of this year. So far it appears to only be a change of the logo and I think it will be fully adopted in a year or so.