I am also steering clear of online banking, or say use a phone to pay for something, and the visa card i do have well i do not use it in stores, only for online shopping.
And as i have it in my wallet i have run a drill thru the rfid chip in the card.
Otherwise i am all cash, which would mean a massive amount of problems if i was to win the lottery.
1: banks do not have cash.
2: i cant pay for a new car in cash, no car is that cheap that would make it legal.
3: i couldn't even go and cash buy some luxury products, say i wanted to blow 20.000 USD on a watch,,,,, not in cash in Denmark, the seller are not allowed to take cash in that amount.
so i hope i win large enough and i can move to a more sane country.
And this pretty much are to blame that no one have any balls to do something about the drug market, or regular financial fraud in the country,,,,,,,
and of course as always then regular honest people are to suffer.
BTW due to a error in the most popular mobile pay app here, many 1000 people have been billed 2 times for purchases made recently.