I use cash only. It helps to control spending but also my bank doesn't need to know each and everything I buy. Local businesses appreciate it as they get the full amount and there is no cut taken by card processors or banks. And as the recent CrowdStrike outage has shown, being 100% dependent on digital services is not ideal. I have to deal with change, but that's a small inconvenience I'm willing to take.
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I'm somewhere in between - I rarely pay with cash, largely only using it in restaurants as it's easier to divvy up the bill that way. However, I also rarely use my phone - most of my payments are with a card and my phone is back-up in case I forget my wallet.
Most of my friends down the boozer pay with cash as they reckon it stops them getting carried away but I don't see it making much difference. However, I don't drink so what do I know?
It's not about drinking, but more you can only carry so much money on you and you can't go into overdraft with actual cash..plus no fees from banks etc etc etc..
Cash is and always will be a power move.
Interesting example of how the same information is spun differently as the Reuter's headline is: UK cash usage falls to record low share of transactions in 2023