Food is payed with VISA och Mastercard. Water is payed through the online banking service. Travel with VISA/Mastercard (even local buses accept credit cards). "Etc" is also payed with VISA or Mastercard. Swish is a mere conveniency for transferring money without having to log onto your online banking service. I use it once a month tops.

I think not having a bank account is unthinkable in a place like Sweden. Thanks to the strong social safety net and extremely restrictive immigration policy they don't have abject poor. At worst you're lower middle class and can get a bank account.

It does seem to be a bad deal for tourists however. I'm surprised that companies are apparently so quick to ditch traditional credit cards.

But companies aren’t ditching credit cards, we’re just using “contact less”/Apple Pay/etc. more. When Swish is used by a company (I’ve only seen a couple), they’re either super-cheap or gimmicky.

What happens if you don't have visa/mastercard or even a bank account?

What jappens when the electricity is out? In a Katrina or Maria (hurricanes) scenario.

What happens if you don't have cash? Answer: you get cash, because most shops won't barter.

Same thing here.