You can do that now already. Only thing making it not legal is law.
Sure, with paper money you could just take it out of the bank and pay directly but you can do stuff to that too like making it more expensive to take out then track people who just take out big sums of money
Like, sure, all electronic makes it easier, but it is by no means impossible or even hard now. Again, only thing stopping it is the law, if that is fucked doesn't matter how money are transferred
Sure, with paper money you could just take it out of the bank and pay directly but you can do stuff to that too like making it more expensive to take out then track people who just take out big sums of money
Like, sure, all electronic makes it easier, but it is by no means impossible or even hard now. Again, only thing stopping it is the law, if that is fucked doesn't matter how money are transferred