Some context might be useful here. I spent some time living Sweden not too long ago and Swedes practically don't use cash. It's usually not said out loud, but cash is often considered to be dirty and criminal, to the point that most don't have any at all. Digital payments are very convenient and deeply integrated, so long as you have a local ID which allows you use the local payment system Swish etc.
This worked nicely until the tensions in Europe lead to more cyberattacks rolling in and suddenly you have people not being able to buy food, medicine, and so forth. Not too long after, there was a government advisory urging people to keep some cash reserves in case a larger cyberattack happens, but cultural habits at large are hard to change. This is of course a coarse simplification of the context, but might help understand this incentive a bit better.
This worked nicely until the tensions in Europe lead to more cyberattacks rolling in and suddenly you have people not being able to buy food, medicine, and so forth. Not too long after, there was a government advisory urging people to keep some cash reserves in case a larger cyberattack happens, but cultural habits at large are hard to change. This is of course a coarse simplification of the context, but might help understand this incentive a bit better.