<shadowmouse scratches head> OK, I see you got to use the word freedom, but I don't see why you've used it.
1) "At the mercy of computers" It's ... your phone.
2) "Being able to have/get money" See the post by @
swiftowner just above you. Having phone payment as an option doesn't prevent me from using my bank or the bank's ATM network, it simply gives me another payment option. When I was in the hospital, I was able to use my phone to have a friend send me new clothes or to have my youngest daughter send me tea. When I went to another hospital, a friend helped set up the ride service because it was two hours away from me. She decided she wanted me to take a better car, so she paid the driver by phone ... from Inner Mongolia. You can see from swiftowner's post, his wife was able to buy him a cup of coffee even though he didn't have the app on his phone. All it does is provide convenience.
3) "we can get our money from the bankomats" Yep, should I want to, I can do that too. I use WeChat and Alipay, both are tied directly to bank cards.
For me, while I *could* use paper money, things like the virus remind me of how much I prefer *not* having to deal with it. I don't have to worry about how much money I need to carry for a given period of time. I don't have to worry about getting counterfeit. I might get mugged and my phone grabbed, but they would still have to break the phone's security and the app's security (sure, they could force me to unlock it, but people have been forced to make ATM withdrawals too and with the phone I'm probably carrying less cash).
As far as privacy, paper money offers an illusion. If you're being tracked, you're on CCTV anyway and your phone company and ISP are probably cooperating with the police. Buying a currywurst on the sly won't really matter. I recall Norway wanted to go paperless because of the grey market economy, but that's taking us far afield from the virus and better off in a new thread.