This is because the system hates cash and has erected all types barriers and inefficiencies when handling cash.

No, it’s because handling cash is literally freaking expensive. You have to transport it (and especially coins can weigh a lot), you have to secure it on location and during transit (those bank transports are not cheap), you have to count it, you have to handle damaged money, …

Cash is expensive. It’s not “because the system hates cash”, it’s because it’s a physical thing that has to be physically handled.