In the Netherlands; mostly haven't carried cash for 5-6 years now. Since Apple Pay was enabled here around 2019, the majority of my purchases are through the phone or watch. About once a year there will be some situation that requires cash, usually when traveling.

Even street vendors have debit/pin machines (Zettle/SumUp etc), and with mobile phones starting to be able to act as a receiver there would be no reason to use cash at all. I don't like the privacy implications but it's immensely practical.

For sending money to others, sharing bills etc you use Tikkie which generates a link or QR code that anyone can use to pay you via iDeal (debit).