> banks cannot refuse basic accounts to legal EU residents (unless they believe you're laundering money or financing terror groups).

This is little comfort if you're not a legal EU resident, or if they believe you're laundering money or financing terror groups (whether you actually are or not).

As long as there are any caveats to "cannot refuse bank accounts to all people" then switching to a cashless society would create an underclass of people who are just not allowed to have money.