Wait a second, you're from the Philippines. When I was in Cebu I saw a homeless man walking in the middle of the street with his pants and underwear around his ankles, talking to himself exposed in front of everybody. I'm surprised you've never experienced crazy people before.
Actually they dont have it in their system. If they did, they wouldn't of taken my fingerprints 50 different times now since I've been travelling to Thailand.
My banking app has been broken twice this month, my phone has run out of battery more times than I can count. So dont exaggerate with 99%. As political hacking advances, whole payment systems will be taken offline so wake up and stop pushing commie crap.
If your phone runs out of battery, it's useless. If the internet is broken, it's useless. If your phone is frozen or technical error, it's useless. If you say something bad about the government, your account will be frozen. Cash is never offline, cash is never broken, cash is KING