If you mean how they transfer money between each other, they just use smart phones and Swish. Beggars even ask for money that way.
One time I lost my card, ordered a new one, the card arrived but the pin code didn't arrive, so I waited an extra 4 days for it, and called up and they said sometimes that happens and then they sent me a new one, which meant I went essentially 24 days without a card.
As far as phones go, so if your phone goes out, gets lost, gets stolen, breaks you have no money because money is tightly bound to your phone.
I have a difficult time respecting the architectural decisions that have been made in this new implementation of money.
If I am using cash I don't carry all the cash available to me all the time, so if I lose some cash it is not quite the same as losing my method of accessing money.
I know, I’ve tried after I’ve spent the entirety of january without without a card due to losing one (and the bank fucking up the replacement).
Also these aren't really problems with a cashless society, they are problems with a partially cashless society. Society will fix these issues very quickly when there are no workarounds, like making sure that everyone can have backup cards for example.
I can create a second card, on a different name than my own, but that’d require ID verification for that different person (e.g. for shared accounts of couples)
Circumstances would have to become pretty extreme for all of these to disappear at the same time.
An app on your phone is not an alternative to handing a bill to someone.
This is unfortunately not true, because you need a personal number to have a bank account.