Homework: Go ask your parents (or grandparents) how they used to get money for the weekend. The answer is that they and 300 of their neighbors stood in line at the bank on Friday to withdraw cash. They'd have to plan the weekend before, grocery shopping, a trip to the movies, ice cream for the kids, gasoline, so they knew how much to withdraw. Ask Grandpa if he prefers that over swiping his debit card at any time of day on any day of the week.
It's not just about the ability to pay but the ability to pay with low friction.