Keeping your own money isnt safe, plus you dont get interest over the months. More money = more interest.
I think really the current money system with credit cards, cash, pay pass cards, and checks are good, if they were stupid and outdated, we would have something better already. Credit cards have been out for more than 50 years, it was a huge leap from money to plastic money. If plastic credit cards are truley outdated and useless, we'd have something better already, but the paypass thing...it's good, but not everyone wants a bulky little key chain.