NFC payments with cards. Payments based on proximity. Payment requests over chat etc etc.
Please. By all means, get out there. And look around and be amazed by how inventive people are.
How cultural differences form technological preferences. How people in one country send eachother billions a year via Tikkie, in another country pay at all shops via their chat app. How unbanked in many places pay with SMS credit. Or how many people pay fast and easy with QR.
Your bubble isn't "the best for everyone" it's just one of many options. One that you and your peers probably prefer.