You are correct. Sometime in the distant future there is the possibility of climate change destroying civilization. But there is a 0% possibility of man causing climate change.
Your understanding of digital currency is non-existent. You will have no cash. The banks/government will know where you spend every digital dollar and can easily deny you the right to spend it as you want. We are already seeing this with the government asking? investment firms to use ESG in their investments. China has already started doing this with a ‘social credit score’. It’s bad enough that banks can control your money and also refuse to provide loans to certain companies.
If our government ever goes to digital currency we lose all our freedoms, and the Biden administration said they are studying it. China has is already implementing it.
I see what you did there.