Kamla Rani, a 50-year-old housewife living in a run-down area of New Delhi, balks at the idea of having heavily subsidized food benefits replaced by money deposited in a bank account.
"How can we believe the government will pay on time or increase the amount when prices go up every month?" she asked, sitting in the doorway of her modest home in Gulabi Bagh, a residential area in the north of the capital where many people live in slums.
Prime Minister Narendra Modi has launched an ambitious plan to streamline a bloated and inefficient welfare system by paying for everything from cooking gas to university stipends via a bank account, in a bid to save billions of dollars a year.
To sell his idea, he has promised a bank account for every household - a mammoth and expensive task in a country where two in five people had lacked access to one.
But resistance among more than 800 million people entitled to subsidized food is high.
Years of double-digit inflation make them wary, the previous government's pilot schemes floundered and, with so many people unfamiliar with basic banking, benefits like accident insurance offered under the scheme may not be fully utilized.
That may explain why Modi, in his biggest attempt at fiscal change since he swept to power in May, has been less bold than some would wish, steering clear of reforming the most sensitive and costly benefits - food and fertilizers.
"The new bank accounts will not be viable if they aren't used for transfers," said one participant at a meeting where senior officials spelled out their concerns to Modi.
To prepare the ground for his reforms, Modi has set a target of opening 75 million new bank accounts by January, a target which experts believe his nationalist government can reach.
Ensuring those accounts are used to funnel all state benefits, and so reduce corruption and wastage, will be much harder, raising questions about the fate of the People's Wealth Scheme that Modi promised would end "financial untouchability".