For me, it is a little convenient. We can not see how transact direct money, so it is a little scared for users.
However, for now, we can not spend original life. For example, we can go out. When the COVID-19 spread, the government say that “not going out.” I especially use the internet shopping and using credit cards. Therefore, it is convenient for me to use them. Also, if I want to buy something, the case of not having money but having a credit card, which is okay.