Will we ever see programmable physical crypto?

Will the time come for the physical exchange of crypto? Like a very cheap form of cold wallet that could be traded physically like coins and bills are today?

Perhaps ones bill is $79 and one could pay with a $100 bitcoin cold wallet thumb-drive and recieve the difference on another drive. Just like is done, but with the crypto simply preloaded to whatever quantity desired.

Would this sort of transaction help provide privacy like cash? Would it be convenient for lay-folk? Could cheaply could robust and small cold wallets be made? Would you be interested in making transactions with physically tradable crypto?