I can't recall the last time I used cash to buy anything - I'm going to say over 3 years ago, it could be a lot longer. Pre Covid you had to use cash for transactions under £5 in many shops, post Covid, they all take contactless. Most of the time (unless I'm using the Morgan) my phone is my car key too - so for quite a few years I have only my phone, no keys, no cards. Works very well and never had a problem.