And it's so much easier to pay by phone! I can be through the payment process in 20 seconds at a supermarket if I pay with my phone, and need nothing on me than my phone. Meanwhile cash takes fumbling, counting either by a machine or by a person, calculation in my head what I need to provide, making sure I always have not too little and not too much on me, making sure the total amount of coins doesn't get out of hand, etc.