I’m 40 and I’m in the same boat as your daughter. I no longer carry a real wallet. This isn’t just due to Apple/Google pay but also because basically everything related to your identification is now available as an App here in Denmark, so you can get your social security card, your drivers license and your national 2factor login on your phone along the digital wallet.

I do still keep around $100-200 worth of Danish Kroner in cash in my bag, however, and I almost never need it, but it’s nice to always have enough for a night in a hotel, a really long cab-ride or groceries for those times where the systems break down.