OF WHAT USE IS THE CASHLESS POLICY?

In theory, the cashless policy initiated by the Governor of Central Bank of Nigeria {CBN}, Sanusi Lamido is a laudable initiative, for it reduces the hassles of having to carry too much cash to purchase a particular goods or service, thereby making formerly tedious transactions become simple and faster.
But of what use is the cashless policy when there are no readily available point of sales terminal popularly called POS, within the reach of the ordinary man?

The other day {on a weekend, just imagine}, i had nine hundred and eighty seven naira in my account but since the Automated Teller Machines {ATM} in Nigeria no longer give below one thousand naira notes {i don't know who made that policy}, i could not assess this money, the only option left for me was the POS.

Na only God know the kind trek way man trek just to find POS way dey work, unfortunately for me, no one within reach was functioning, as in, even fast food joints {eatries} and petrol stations don't have one, it's that bad.
True, the POS in big supermarkets like Shoprite, Mega plaza, Park and shop, et al normally have a working POS but how many of these Mega Malls are within the neighborhood of the common man.

His Excellency, this cashless policy make sense but the common man never begin benefit from am........ something needs to be done!