There's still more to this than just having payment infrastructure.
People need to have cards, the cards need to have money on them - both of these are already assumptions that aren't guaranteed to hold for a lot of people.
People need to have cards, the cards need to have money on them - both of these are already assumptions that aren't guaranteed to hold for a lot of people.
Sure, it's possible to overcome all of these things in theory - but at what benefit to the population? Cashless payments are not a goal in and of themselves.