An all-digital economy promises a world without friction. The same design that makes payment effortless makes denial effortless, and it hands every government a quiet way to decide whether you may eat. Pay for coffee with a glance at your phone. Send rent across the country before the barista finishes the pour. Split a dinner bill at the table with no cash, no card, and no fuss. The case for a fully digital economy arrives wrapped in that smoothness, and the smoothness is real. The danger sits one layer underneath, in a question almost no one asks at the register: who has to approve this payment for it to clear, and what becomes of me on the day they decide not to?

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