It depends on your age and area. The elderly prefer cash and may not have access to cards. Gen-X (people in their 50s-60s) have cards but will still carry and use cash for things here or there. Young people in urban areas almost never use cash. We mostly use tap to pay with our phones. Poorer, rural areas don’t always bother to get the new card readers though, so when traveling in rural areas it’s best to bring a physical card or cash.

Personally I only carry my phone in daily life. My bus pass, student ID, credit card, etc. are all on my phone. The last time I used cash, which was many months ago, the cashier verbally said to me “It’s been so long since anyone has paid cash” and had to ask his manager to show him how to operate the cash register.