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> If you still use cash, what are your reasons

Not me personally, but in the UK, postal orders [0] are still a thing because they let you walk into a post office, hand over some cash and get a token that you can give to a named recipient, who can then themselves walk into a post office and obtain the specified amount of cash. This lets you relatively safely exchange money without either party possessing a bank account. They are still accepted by some govt institutions so as not to discriminate people without bank accounts. When I was a kid they were used to snail-mail birthday-present money.

[0] https://en.wikipedia.org/wiki/Postal_order



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