> Do they save time? Seriously, add up the time: what is the net gain or loss? Is cash hard to use?

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.