Exactly.
For example, pulling in to buy petrol because they're displayed price is good. You don't know how much you have available in the transaction account, but you have cash.
For example, pulling in to buy petrol because they're displayed price is good. You don't know how much you have available in the transaction account, but you have cash.
I have a bank app. It's simple and works. Before that, they had a website. It's easy to check a balance in the morning and use that to guide you.
Before the internet was widespread, banks had a number you could call to get your balance. Heck, I think my current bank still has this, despite me being in a different country now.
Once you are in a situation where these aren't as helpful, you are probably in a bad life situation (speaking both from experience and observation of folks I know).
If you are responsible and know your balance, then using a debit card, or equivalent app, is the same as using cash.
Also unlike a phone I won't get fined for looking at my wallet while stopped at the lights.