Ah, and *of course* no one could ever survive without shopping online. And no one could ever survive with being detached from the intarweeb while they *are* out shopping. And walking a block and a half to the bank machine or just skipping that step entirely and using a debit card is *absolutely* out of the question.
Your telco gives you the phone for free -- there is no extra charge padded on to your monthly bill. They're just really, really generous that way.
And everybody's existing phone already has the NFC support needed to act as a payment system, so no one needs to upgrade, right?
Go ahead and try to get a free credit card after you've had to declare a bankruptcy. I dare ya'.
But hey, all of us in situations like being on disability where $20 makes or breaks the month can clearly afford to toss $50-75/year in credit card membership fees out the window.
Heck, in your world, people like me don't even actually exist. Only dinosaurs are poor.