In Sweden, we have BankID for one thing. You can't do anything at all without it, including (in many cases) buying things online with your Visa or Mastercard. You can't even do stupid things like look up license plates or other simple tasks. You certainly can't deal very well with the medical system without it. In many cases even mail can be a pain in the ass without it.

Then we have another problem. Cashlessness. There are fewer and fewer places that accept cash for payment and even if they do some of them won't have change (since it's so rare that other people are paying in cash).

I have a friend now who was cut off from the BankID (and thus cashless) system and it's quite a struggle for him. He has to constantly have other people (i.e. us) do things for him, or drive 40km to one city or another during specific hours to do things (since all the local outlets for everything closed since 99% of people do 99% of everything online now).