I believe there are numerous ways to transfer money without using physical bills; disallowing cash for large purchases doesn't imply a loan. Personal or certified Cheque, money order , wire, interac / email transfer are some of the options, I'm sure there are others.
Note, all other criticisms about privacy still apply, thisbis where cash is king of course. But it's not forcing loans :-)
Note, all other criticisms about privacy still apply, thisbis where cash is king of course. But it's not forcing loans :-)