I doubt plastic debit/credit cards will survive. Everything will be virtual in the new digital realm. In the future, we will only be dealing with digital currencies and commodities. Even Gold will be tokenized on a Blockchain network controlled by custodians. It will be a future where you won't truly own anything. Something like what streaming services do today. They let you enjoy the digital content (whenever it's games, music, movies, etc), but you won't have true ownership of it (intangible). Same as government-backed digital currencies (CBDCs).
I sure hope we have a physical alternative to cash (coins and paper money) for true privacy and freedom. Maybe Monero (although not physical) will be all we need to achieve this? Not even Bitcoin will work, because of the way it's designed (transparent public ledger). We're "lightyears" away before a full-fledged cashless society takes place, so there's nothing to worry about.

That's true also, I mean I was talking about how people are using their card these days a lot more, and yes cultural differences do apply, like some places are more technologically advanced and just use their phones, which started here too and some places does that, but in the end, we are talking about a situation where it was cards that first take the cash away, now its the apps that are taking the card away.
So you are right that soon enough, we will not even carry anything extra. That's what these smart phones do, we no longer need a watch, we no longer need a calculator, no need for anything for music, obviously no need for a camera, and soon enough we are going to end up with no need for anything more at all. Phones take care of everything.