Folks who run small businesses like grocery stores and barber shops deal with cash all the time. Also there is a large class of unbanked folks in the US. Your experience doesn't generalize to everyone.

There are a lot of benefits to cash. I believe that a digital dollar that acts like paper cash is possible, but you need a lot of technologies to make that a reality (e.g. zero-knowledge crypto, and then mechanisms to peg digital asset to fiat). It doesn't quite exist yet today.