I feel the same about the 1993 issue of Mondo 2000's "R U A Cyberpunk?"
https://aphelis.net/wp-content/uploads/2012/06/Mondo_2000_ma...
Except the stun gun, volt meter, and the cash. Even back then, they call out the value of non-digital paper money. A phone absolutely can't replace that.
Crypto coin is the next best thing to cash, I would say that it's in the bag if you use a wallet on your phone, although it could be argued.
sure if you don't mind waiting around anywhere from 15 minutes to an hour for a transaction to be confirmed you can replace cash. sure if you don't mind your every transaction being published on a immutable public ledger and linked to your wallet. don't get me wrong it has its place and use but its not anonymous or quick cash is both