It's going to be a looooonnnng time before Americans voluntarily turn over all their buying power to a government controlled payment system that takes away all consumer privacy. I still pay with cash myself when I can.
I don't think the poor in India are worried about Govt knowing about their 5-10 rupee purchases. Vast majority would be worried about where their next meal/income would come. Privacy would be for the rich to worry about their income getting reduced by Govt taxes.
