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Politicians want it. That alone is a very solid reason to absolutely mistrust it and to not wanting it. And yes, in the end it is about totalitarianism, growing debts to the infinite, and conditioning of the life stock, eh: population.
Say No no total control and absolute vulnerability, say Yes to freedom and self-responsibility. Pay cash. Boycott cashless businesses. If you think you do not owe it to yourself, at least you owe it to your children. That little coolness you think is so important for you to gain when paying with a card or smartphone, is being paid for with so much more than just money.