"I live in a place that hasn't seen progress and still uses physical cash." Isn't really useful to those of us who live in places that don't even use cash. Also, I don't really want to go back to using physical cash thanks.
Progress, as in, you've gained the privilege of third parties tracking every payment and every bill you've split with friends, sure.
Let's be realistic; payment services are convenient, but not advantageous in every single way.
Hasn’t seen progress? Portland has a fantastic transit system and all the amenities you could want from a modern city. Yet cash is common, a few of the best places are even cash only.