No idea what cashless has to do with anything ...
70 years of bad urban planning really did hurt the poor and the only way to fix it is to actually fix those issues systematically. Not sure how this is moving the goal post. This is the exact topic we are discussing 'Why it costs so much to be poor'.
And it doesn't actually take that much, a few changes to zoneing law, different usage patterns for existing infrastructure, some extra bus lines and so on. Nothing that is actually crazy or that expensive. These things could have a huge impact already.
Obsessing over minor issues like food bulk buy vs smaller shopping when housing and transportation is the true issue is actually the exact problem.