One of the biggest lies of security, intelligence agencies, politicians is that indian paypal account holders with no cash income have black money to cheat, exploit and rob them. In reality all the payments received are electronic transfers, only a small amount is withdrawn as cash for daily and business expenses
In contrast most other shop owners receive cash payment and can adjust their profit to accumulate black money.
For example when the domain investor went to a bank to withdraw a small amount from her bank account, she found local business owners depositing cash.
One smartphone shop owner had deposited Rs 40000 cash in his bank account, since a large number of people are purchasing smartphones paying cash
The smartphones are fairly expensive, costing at least Rs 6000
In most shops in goa, people prefer to pay cash, and shop owners also prefer cash paying customers.