Increasingly in some metro cities young people and others are making all their payment using UPI/QR code since they do not have to carry cash
They are confident that their bank account will not be hacked.
Since most customers are making digital payment the shopkeepers are complaining that they do not have change
So citizens who use cash, have to ensure that they have enough change
Young people have less money in their bank account, so they can afford to take risks like using digital payment , the domain investor is so well known that multiple banks are refusing to enable internet banking for her