Biggest benefit of cash-free economy not mentioned in the article: escape from the Zero Bound in conducting monetary policy (<a href="https:&#x2F;&#x2F;en.wikipedia.org&#x2F;wiki&#x2F;Zero_lower_bound" rel="nofollow">https:&#x2F;&#x2F;en.wikipedia.org&#x2F;wiki&#x2F;Zero_lower_bound</a>). It can&#x27;t be that central bankers in Sweden aren&#x27;t realizing this; Sweden&#x27;s central bankers have always been a notch above performance-wise.