Explain then what happens when your electronic balance is 0 and you need to buy food or pay the rent. Sure, you have no debt. So what?
What happens when the power grid goes down? You won’t be able to keep an emergency stash of cash to get through a temporary inability to access your accounts.
What happens if you are locked out of your accounts for some reason, like a hack?
I keep a couple of $K in cash just in case and I think anyone who does not keep at least a few hundred in cash aside for emergencies is a fool.
I’m not advocating it, just explaining.