I heard an interview in the town square last month about this and the gentleman was gushing about how in a few years we won't carry bushels of supplies to barter in our oxcarts anymore. Which seems to miss the point that we carry other supplies in oxcarts. My pitchfork, shovel, rake are all still in there, plus some gold shillings for places which don't barter.
Meanwhile, why would I use Paper Money? Most stores don't support it and, in my area, they probably won't for several years. And if I'm out and about I'm going to have both my oxcart and gold shillings on me. I don't see th benefit of paying for something with paper money.