The convenience is not perceived, it's real and measurable, that's why people in many countries love going digital voluntarily. The time saved from doing stuff off my phone or PC instead of sitting in line at government offices means more free time to do what I like. Paying contactless means lines at the supermarket last 30 seconds instead of 3 minutes or more and I can catch the train instead of missing it because 3 people in front of me are still counting their change. The gains are real, not perceived.
And what extra freedom do you have from not going digital? If the government wants to screw you, like the trucker protestors in Canada, they'll just lock your bank accounts and you loose access to all your fund including ability to pay rent, regardless if you're digital or not. So what then? How many days can you go with just the 60€ in your wallet and no acces to your bank account. Unless you're the kind of person to keep all your money under the mattress (which I doubt you are but maybe you'll surprise me) you gained absolutely nothing from that while everyone loses all the convenience. The only ones who gain are business owners commiting tax fraud or people doing other illegal activities, which I condemn, and a cash free society would make them unable to doge taxes anymore making it fair for everyone.
>Holding Austria back from what?
Holding it back from money and jobs from one of the most lucrative international business sectors in the world (why do you think SV/California is so rich?). Holding it back from technological progress generating said jobs. Holding it back from highly skilled immigrants who are looking to work in this sector and will pay high taxes which support the government and population, but instead go to work somewhere else.