> Those are financial casinos, not real banks, operating with non-full banking licenses, peddling all the tech-bro bullshit:

Revolut is a licensed bank: https://en.wikipedia.org/wiki/Revolut

N26 also has a license as a bank: https://n26.com/en-de

One that is not a bank is Wise: https://en.wikipedia.org/wiki/Wise_(company)

> > Shops can refuse cash > No, they cannot.

AFAIK, at least in Sweden, there is no law that obliges shops to accept cash. See this for example: https://www.riksbank.se/en-gb/payments--cash/payments-in-swe...