[joegosse]

Maybe to be more precise "anonymous cash replacement" is better?

Electronic "money" in general has long been available through credit cards, PayPal, etc but at higher cost and loss of anonymity

[basseq]

Right, but it's more than electric money. The OP mentions it's electric money that:

1) has assured/immutable transactions (unlike CCs) - This may or may not be a good thing from a purchaser perspective on seller fraud.

2) is available to all individuals (unlike banks) - Again, which may or may not be a good thing if you're worried about money from/to the grey/black market.