Why can't we have Offline money transfer feature in Esewa or any monitery apps?

I have been is far more situations where i wanna pay but don't have data and wifi to pay for stuffs Sometimes lastai ghado ni bhako xa like i already bought stuff, ate in cafes but when its time to pay but shit the internet isn't working . Ani ahile jhan Ncell ko tha vaena ntc ma cheapest data around 29rs cha Yata online pay data bhanera xuttai pack nikale huna like Facebook and YouTube data pack Yata like recharge..tranfer money ni offline hunu paryo

Kunai restrictions ra disadvantage xa ra yesma regarding security?