For the well paid government employees, having cash is equivalent to black money.
These government employees conveniently forget that 15 years ago, credit cards. NEFT, IMPS, UPI were not widely used.
So cash was used for most payment, especially renovation and construction work.
Hence people would withdraw a large amount of cash from their bank account , if they were planning to do the renovation work.
If the contractor did not complete the work as promised and disappeared, the person who withdrew a large amount of cash, would be left with cash at home.