Taken as abstract 'tokens' representing 'value', I'm not sure that the form makes a huge amount of difference per se. Whatever form it takes, there will be (as always), a self-selecting few who will influence that value much more than the rest of us.
However, looking around me, I do wonder that the more we make money "abstract", the easier it is for us to spend money we don't have. I just think that maybe our brains aren't quite wired to truly make the connection between pure numbers and "value" - "how many bits and bytes are worth a loaf of bread?".
And I really feel for those people who for whatever reason, are excluded from participating. For example, a friend of mine had a stroke a couple of years ago. His recovery has been made that much more difficult because he lost his memory of every single PIN number, can't write his own signature, and for a long time was unable to make himself understood over the telephone. The more we push financial services towards password protected computer systems and remote access, the more people there are going to be who find accessing their cash very difficult if they have a disability that makes the "user interface" impossible for them to negociate.
Something that's rarely spoken of is that huge amounts of financial services are run on computer systems running some form of COBOL code. If you never heard of COBOL, that's not suprising - it's a computer language from decades past that virtually no-one is taught any more, isn't at all cool and trendy, and is god-awful to write. The number of COBOL programmers needed to maintain things properly is dwindling, and no-one wants to wholesale move to another platform because of the consequences if that were to go wrong.
IMHO, sooner or later, this utter reliance on software that is too complex to ever be 100% bug-free, written before the maintenance guy was even born, is going to have some big consequences for the world economy!