Not sure how it works in countries that didn't go through 80 years of socialism, but I assume that you're saying that in those countries, your salary is required to go to your bank account and can't be paid in cash. Then you can still pretty much "stick to cash" by withdrawing the whole thing on your payday. But then idk, maybe everyone in those countries is aware of the risks related to keeping their money in a bank, it's just the internet banking that introduces the new ones for them.

>Then you can still pretty much "stick to cash" by withdrawing the whole thing on your payday.

Not if you want to make a purchase beyond a small amount, like $500 or $1000. Then it has to be through some fucking bank or CC.

All withdrawals of more than 1000€ in Spain must be accounted for and more than 5000€ must be authorized.

You "may" but maybe you "cannot".