

You just solve it as per the blog post, because it’s trivial to solve, as your browser is literally doing so in a slow language on a potentially slow CPU. It’s only solving 5 digits of the hash by default.
If a phone running JavaScript in the browser has to be able to solve it you can’t just crank up the complexity. Real humans will only wait tens of seconds, if that, before giving up.

Banks also charge for cash services, many business accounts may just include it in the price, but someone has to physically count, collate and move around the cash, often with security. There are costs for running a computer system, and costs for using cash that businesses have always paid. Some small businesses definitely do not understand that, but cashless can be cheaper and safer depending on your country and quality of banking services.