There might not be even 10% population which can afford to maintain minimum balance of Rs. 10000. The same can easily be verified by charges levied by pvt bankers during the year 2014-15.Similarly bank statement charges need to be verified.
Doing business and jobs are really tough and it is very difficult to devote time and spent money to keep records up to date. Long back Govt too understood the problem and allowed to pay Rs.100 per month as tax. Even such schemes in revised format are still available to pay income tax. It is older people who are more concerned for keeping records up to date and such older people are more comfortable with the traditional methods of accounting etc.Thereby, it might take another 20-25 years to fully accepting latest ttechnology. Till then wait and watch...
the question is if netaji died in1945,why was the indian govt spying on his family for 20 years. one can only conclude that somethink fishy was going on behind the public eyes.