You're waiting for this 'big obvious moment' when you might be able to say, "no, I won't take the micro-chip (or whatever)" when, realistically, you've been chipped from birth.
It seems it doesn't matter if it's a bar code on your wrist, or an ATM card that you hand to a cashier, these are just semantics. This struck me recently when I was being a good doobie reviewing my credit report - a little chill went up my spine as my entire financial life - credit cards (including cancelled ones), student loan debt, car loan, mortgage...all were listed in historical detail. As far as the financial system was concerned, this credit report was my passbook or "Visa" to the financial world - whether that's to pay for basics like food and fuel, or to buy the big stuff like a house and a car. Individual cards didn't matter, it was the history, the pattern of consumption that mattered: this was my identity.
Many people seem wholly captured by this "torture," the imprinting of thought patterns as mkrnhr mentions - their daily life and psychic attention is directed at either 1) how to accumulate/manage resources for all that they consume: pay the bills, pay the student debt, pay the rent or the mortgage, save for retirement or 2) to momentarily seek a diversion from #1, put on the TV, eat some ice cream and possibly think nothing at all.
At this point in the game, I do wonder if using cash helps you psychically "diversify" a bit - since you have to interact more directly in the exchange, it's more tangible? Not that in the big picture it makes much of a difference, but symbolically it may at an individual level? Bartering I guess would be even a more powerful, but not always a realistic option - then it is an agreement between two people who mutually, consciously agree on a value, rather than some passive, beastly mechanized system determining it.