A lot of people would find it easier to pull out a few quarters and put it in the parking meter than download and update an app and give it your financial information. Or hand over a paper ticket to get into an event that’s easy to transfer instead of yet another app with a barcode.
Probably because most of that software is garbage then. While there are some people who may do that, most find the convenience of not carrying around loose change as a benefit.
Etc.