[dymk]

None of the problems you mentioned with credit/debit cards is actually a practical concern for 99.99% of people.

[cbhl]

Adults, maybe, but it is not universal to issue debit cards to children (especially below the age of 16 or 13), let alone credit cards.

[mijamo]

It is universal on Sweden, from younger than that. And here most shops don't take cash at all anymore. TBH if I had a shop in Stockholm I wouldn't take cash either. Even public transport doesn't take cash.

On the other hand everybody here has a bank account for free, and free instant transactions between individuals.

[ekianjo]

This is a problem about rights, not statistics.

[dymk]

Right to what? Not use a credit card? You already have that right.

[ekianjo]

Not if the society goes cashless for the most part, which is what we are discussing here.

[guelo]

Until they have a conflict with their bank and realize they have no recourse.