People do still carry cash, we still have a big cash economy, but it has changed slightly, people obviously don't want to hold too much cash for safety reasons, but also banks are slowing down on having ATMs, they are not as widely available as they used to be due to gangs that target them, ATM explosions are pretty common.

So banks and stores are forced to keep ATMs inside, have security 24/7 or lock them up after hours. People can also pull cash from the store when they need it, so you go to the store ask for the cash, then you can spend it.

Plus people are sending "cash" via SMS codes, so I can send you a pin and then you can withdraw the cash in say 10 days

But cards have become more popular now, there are banks specifically targeting low LSMS