Weird there are even negative comments about UPI. That too from people who haven't lived in pre-UPI era.

My father and my uncle both have had history of losing cash to robbery earlier in the past in broad daylight. Snatch and run. Huge amounts of cash. My wallet has not seen any paper-based cash in over 1-2 years now and I live in a Tier-4 town/city.

The habit of not giving the extra 1-2 rupees of extra change has gone. Now, its the exact amount. Plus no one these days have to loan out payments. You can directly pay the amount quick.

The scale and the way UPI has become such an integral part of Indian lives is such so much valuable that the minor inconveniences (Privacy & customer care) are ignorable.