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Just for reference, 81% of Americans have smart phones.

75% of Americans have credit cards.

10% of Americans use only cash.

Just for more clarity then:

62.7 million Americans don’t have smart phones

82.5 million Americans don’t have credit cards

33 million Americans use only cash

Another way to look at it

The equivalent of the entire population of the United Kingdom not having smart phones

The entire population of Germany not having credit cards

Nearly the entire population of Canada using only cash

Are you basing that calculation on the total population or just adults?

But for perspective, 10% is a large portion of the population. As a population subgroup, Asian Americans only account for 7% of the US population.

My purpose wasn’t to argue either way, I just wanted to add numbers to the discussions.