Cash is truly king!
I always have cash to pay for things when I’m out and about. It helps me to budget and allows some privacy, which is rare nowadays.
I do use contactless/card too when it’s handy or required. I’ve never set up Apple Pay.
Card and contactless
I wish I didn’t have apply pay but o share a bank and they only sent one card with contactless so it was done for the ease but yes the privacy from cash is unmatched.