I have a $50 banknote in my pocket. Going to a restaurant and paying for dinner with it.
The restaurant owner then uses the bill to pay for the laundry.
The laundry owner then uses the bill to pay the barber.
The barber will then use the bill for shopping.
After an unlimited number of payments, it will still remain a $50, which has fulfilled its purpose to everyone who used it for payment and the bank has jumped dry from every cash payment transaction made..
But if I come to a restaurant and pay digitally
Bank fees for my payment transaction charged to the seller are 3%, so around $1.50 and so will the fee $1.50 for each further payment transaction or owner re laundry or payments of the owner of the laundry shop, or payments of the barber etc…..
Therefore, after 30 transactions, the initial $50 will remain only $5 and the remaining $45 became the property of the bank thanks to all digital transactions and fees.