Ah, but that would mean their mates at the big 4 would not get their fat bonuses.
I completely agree though. If your bank's aren't going to guarantee anything tighter than a 3 day turnaround, they're useless here.
"In Praise of Cash"  is a fantastic essay on this. HN discussion on that from 2017. 
And as a cryptocurrency enthusiast, this cashless trend is also a way to make it harder to hide your crypto assets: hand-to-hand exchange of cash against crypto is indeed one of the best anonymization way.
Could be even more difficult to detect than abnormal spike in cash withdrawals via ATMs.
It's not unreasonable to assume you live in a normal part of the world where having money doesn't mean you get murdered.
US dollars are one of the most yucky currencies. First you have 1 dollar note that is pointless at this economy. Then, they are still made of paper. Finally, amount of cash in use is astonishing. From my XP NZ is 99.99% cashless, while Lithuania about 95% (I don't carry any cash tho and ignore business that don't accept cards - they usually are not paying tax).
Also wanted to reiterate how amazingly convenient digital banking has become in EU. I've signed up for Monese - in about 5 minutes of digital verification I've got IBAN account setup and a debit card sent to my home address. That's longer than I had to wait on a phone to get by traditional bank account reactivated.
But, that's exactly what they're doing here. Businesses are an institutionalized, structural component of society and, believe it or not, cash purchases are still part of the mainstream economy.
I know you mean that the ACLU should be focused on making plastic accessible to those who don't have access yet, but I think it's worth acknowledging that the issues with going full plastic might be significantly more difficult to tackle than simply preserving the existing payments system. If we're addressing the systemic inequity behind access to banked payments we're going to have to solve issues pertaining to financial stability, proof of identity and reform an incredibly large, complex bureaucracy which has been designed to exclude the people who don't have access. While you're busy addressing the broader systemic inequity of our finance system, the people who you're trying to help are still going to be facing exclusion by businesses who have gone cashless.
If we accept the premise that a cashless society is a desirable end goal and the very true fact that it isn't the fault of vendors that people have been systemically excluded from newer payments systems, we should also acknowledge there isn't an easy way to fix that. Until that's fixed, it will be up to these businesses to choose whether or not they're going to act in a way that excludes customers with cash.
Financial "shenanigans" seem to be more likely with credit/debit cards actually.
$2 trillion in $10 bodega transactions is 200 billion bodega transactions. Something tells me it's not the silver in the till that's the main problem. Or even the notes.