I have a friend of mine (here in Sweden) who is very bad at keeping track of the money in her account. She prefers using cash because that way show knows exactly what she has.

As for edge cases, the city I live in does provide a service to help retired people who have a bank account (and bank card) but no smartphone, and who need a way to pay for services like grocery delivery which are smartphone-only. (They have some method to turn it into a giro payment, but I don't know the details.)