In some ways we are pretty spoiled here in Australia, with regards to fintech adoption. The local farmers markets either take cash or contactless (or both depending on the stall). Its the literal only remaining place that I visit that takes cash-only at some stalls. Everywhere else is all contactless, all the time.

I suppose so. But it still blows me away that doing basic everyday payments in the largest economy in the world is still so poor and their physical money is terrible.