I think your experience is a complete outlier. I literally only go the ATM when I need to give cash to a friend or something weird like that. I spend most of my life in NYC / Financial District. I can't recall the last time I even had to use a physical credit card - everything is either Apple Pay or Level Up, i.e. pay with the phone. Even the subway lines I use have been converted to touchless entry. It's pretty marvelous.