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Because money laundering regulations in the UK (and I believe in the US and Europe) at least have made free use of one's cash pretty difficult:
Designated accounts to transfer cash so that you have at least twice as many transactions to do as necessary. Inability to remove modest amounts of cash from your own account, or even pay it in.
Corporate banks operating HFT and dark pools to significantly push up the cost of personal share dealing.
Water companies dumping sewage into rivers and failing to fix leaks whilst raising water processing charges and bonuses to the board.
BBC and their sponsor-a-paedo TV tax collected by harassing elderly people, guilty until proved innocent. Used to be wonderful, educational and funny. Now useless woke shit.
Politics. Come back Guido, all is forgiven. Thieving Boris Johnson handing out multi million pound contracts to supply PPE to his local pub landlord (who have no fucking clue about that sector) and his bunch of duplicitous cronies.
I might have got carried away towards the end. Sorry, not sorry.