It is in need of disruption, but there are alot of laws surrounding taking cash from people for something other than a product/service.
The problem you'll run into with the black box scenario is that the customer has no access to the funds unless you bring them the box which makes it a poor place to keep working capital funds that businesses use. Even if you start giving loans based on the box you start hitting legal restrictions, and compliance issues.
I worked for years in the financial industry focusing on services for the under/unbanked which relies on a lot of cash handling.
Every way you can think about how to get around the law has been used in the past to launder money and/or evade taxes.
The problem you'll run into with the black box scenario is that the customer has no access to the funds unless you bring them the box which makes it a poor place to keep working capital funds that businesses use. Even if you start giving loans based on the box you start hitting legal restrictions, and compliance issues.
I worked for years in the financial industry focusing on services for the under/unbanked which relies on a lot of cash handling.
Every way you can think about how to get around the law has been used in the past to launder money and/or evade taxes.