My eldest has gone off to uni in Scotland this year, and he’s literally spent no cash at all in his time there. The only cash he uses are 1 pound coins for the gym lockers, and they return when you’re done.
He spent 3 months in Germany last year, and used cash for just about everything.
Scot here! Especially since the advent of Apple and Google Pay, more and more people use cashless payments - with our phones always on our person these days, it's very convenient.
There are still some holdouts though - it's only recently I've started to see taxis that routinely accept card payments, and without a ludicrous extra processing fee.
I've travelled a lot, and I'd say Norway, Sweden and Denmark are all way ahead of Scotland in terms of cashless.
He spent 3 months in Germany last year, and used cash for just about everything.