I don’t want to get into America-bashing because there are many great things about it (which people outside the US often forget) but when it comes to online and cashless banking America is in the Stone Age. Although I still carry cash and hope it isn’t abolished full stop, the rest of the developed world is largely a cashless society and the sky hasn’t fallen in yet!
Except Germany
In the Netherlands cash really is on its way out to the extent I don't have it at all, unless I am traveling to Germany. Given credit cards are the exception and debit cards are the norm, basically everyone pays with his card (or phone) these days. There are already plenty of card only shops in the country and some food points in zoos are also card only.