I don't know why you guys are getting your panties in a bunch over this -- the US Dollar is fiat currency -- not worth the paper it is printed on anyway
Everybody gets a card with a chip and
Banking on the Postal Service - Senator Bernie Sanders of Vermont . Everyone will have a USPS bank account available -- ACH will replace paying by check in a decade.
You won't need a payment processor or merchant account -- customers will just credit your account, eventually: in real time in transactions that your bank will postback to your server. Consider the possibilities and the advantages of digitalizing this fiat currency
You can still buy physical gold or other commodity to barter for goods. However, you will be taxed on the money you receive that is income -- there will be nowhere to hide ... Coming up a new VAT type tax on the now recorded sales transactions. Weeeee ...