I haven't actually had actual cash in my wallet since before Christmas. Every store takes credit or debit. I can email money to people I owe money to. Cash is darn inconvenient.

Giving money to homeless people is just about the only thing in your list I can't do.

We also have contact-less payments with both credit or debit so it's even faster for low cost purchase. Need a coffee from starbucks? Just tap your credit card and go. But the time you put the wallet back in your pocket it's authorized.