Depending on which part of the world you are in. It is increasingly impossible to do it. Post COVID, Cash is no longer accepted in many stores or restaurants. Smaller shops that used to avoid VISA and Master now accept them as well, at the expense of slight increase in menu price.

Landlord would rather leave shops empty than rent it at lower price. In order to combat rental restaurants cut cost by having QR Code ordering system.

The uses of QR Code, whether it is for payment or information makes Smartphone mandatory in those places.

Spending Money online with VISA or master now requires Mobile App log in for Authentication. Government Digital Log in System now also default to Apps.

I may be missing a few things, and there will be many more things to come that moves to Mobile Apps only direction.