People trying to push an agenda (not you) love to create a sense of inevitability. Don't believe it.
Lots of people have no access to digital payments, and objectively, how are they more convenient than cash? Do they save time? Seriously, add up the time: what is the net gain or loss? Is cash hard to use?
Good lord yes. Have you not ever been stuck behind someone struggling to count out exact change? Cash is a huge time wasting pain in the ass.
But it's also an important backup to the frailty of digital money.
For a few seconds? I just don't see it. The whole notion is bizarre, a non-problem. Why is it so important to people to exaggerate it?
Yes. I get paid on my account like everybody else in this country and then I can immediately use it at any merchant in the country by using a credit card. No need to run to ATMs (where are they even and if it is not my banks I get charged extra), no need to figure out change etc.
I don't even carry a wallet anymore because I can just pay with my phone, so no need for a physical card.