Oh really?
I live in India so we have UPI which has 0 fees online payment and the bank also takes literally 0 fees at all for most use-cases.
I guess I must be living in paradise in this department and yet I still prefer digital payments simply because they feel good
Its on the contrary here, our parents advocate us to keep cash around us in case some businesses don't accept UPI and we generally deny them
I have never seen a shop which only accepts UPI and not cash, like ever. I think cash is even written into the law that you will be legally charged if you don't accept cash.
There is this one case where some people don't accept half broken notes but banks do and they will give new ones for old tore notes and also one / two other case of my small city not accepting 10 rupees / 20 rupees coin but usually its on very rare occasion and they could still be legally charged if I wanted to for not accepting it but even its being accepted 99.9% here nowadays. Its just on rare occassion that happens and it doesn't hurt having some extra cash in hand anyways so it literally doesn't matter much
