I've done it all in cash in the past. It's not "hard". It's only thought of as inconvenient because we've been raised to think so. Now, some of those things are no longer easy due to incumbent "automation" [automatic deposit, for example]. I have had cash jobs in the past. It's not a "game changer" It removes friction, yes, but it's not in the same league as curing disease, bringing about equality or reducing pollution, etc. --the big things that matter in improving life.

There are many, many apps out there to facilitate many things, to reduce friction. You know the two that matter most to me [other than telephony]? Navigation (maps) and Yelp (or similar) [finding food, entertainment]. Most other things can wait till I get to the office or get back home. I detest the idea of being electronically "tethered" into always on attention.