We have all that, but coverage can be spotty. Also, depending on where you live, many merchants may not take bank/credit cards at all. They don't want to pay the processing fee.
In my area, if a place is a mom-and-pop shop, chances are, they don't take cards. The best you can hope for is a third-party ATM inside, and they'll tell you to take cash out of that.
Hell, my doctor takes cash and checks only.
ApplePay and all that...some places take it, some don't. Lowe's, a massive DIY chain, they don't take it. DLM, my favorite grocery store, just three locations, they take it. Some places have the capability, but the workers don't know how to use it. The local greenhouse I go to, they use an ApplePay point-of-sale system, but no one knew how to use it for contactless payments until I showed them how. Think about that for a minute...
I'm still surprised at how many times I go somewhere, pay with my phone, and the person at the register says, "Wow, I haven't ever seen that before!"
The first time I went to McD's after the pandemic started, so that meant drive-through, I asked about paying with my phone, and they couldn't do it through the window, so that's a step back, that's for sure.
Wow, here in Dallas, and most places I've been to in Texas, everybody takes cards. Most have a PIN pad on the counter, and you do it all yourself.
I rarely carry cash. I love using my debit card for most things, because I have a complete record of everything I spend.
CD