Ok mate, I disagree but accept I’m not gonna convince you

It is more secure.

It’s much easier to steal cash than to force someone to unlock a device and make a payment, so yes it is more secure.

I didn’t say 100% unbeatable.

Security Privacy. They are distinct concepts.

For example, tokenised and biometrically authenticated transactions are more secure and more convenient than cash payments which are comparatively riskier, easier to forge, easier to steal etc.

However, this allows banks and payment providers to keep tabs on your transaction data, which cash does not.

Convenience and privacy are usually at opposite ends, security can come at either end depending on the medium.

Tbf it’s only been ten years since the mid 2010s so a bit early to know if they’ll keep going longer term