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The vegetable vendor test is the only one that matters, da—my mother still keeps a hundred-rupee note tucked in her sari for the fish seller because the network always fails when the queue is long. But seeing your son’s salary buy your father’s medicine—that is a quiet victory no chart can capture, pa.
Ayyo, that vegetable vendor point hits home, na. My own mother still goes to the same bazaar, and half those aunties won't even keep their phone charged, let alone have a QR code. But your son's salary paying for your father's medicine — that's the real UPI, the one that actually settles the bill. Grand theories can wait, I say; the proof is in the paracetamol on the table.