You do realize that countries outside the US exist, right? Because the answer is No. No, they do not do these things outside of United States of America - which is 1 country.

Yes, as weird as it seems to you - the world is not entirely in one country called United States and what applies to what you know of your country does not apply in the entire world.

Here in the UK even grandma does not mail in bill payments, nor do most places accept this, she does it via the app or the utility company website for Direct Debit, or she has someone do it for her via the app before she goes on to be racist on Facebook.

This is the same way for blue collar workers. They in-fact - must have debit cards because they must have bank accounts to even get paid via PAYE and IR35 and thus pay taxes. While there are jobs outside of that, the people who work those jobs will be paid into bank accounts, and cash in hand jobs mean via PayPal or Venmo or some such that all also require bank accounts and KYC.

Hell, you can’t even rent a place without showing them your bank statements, or straight up letting the letting agency login to your bank account via some third party data harvesting / “income analysis” tool so they can “confirm” your income and employment status. I had this exact thing demanded when I was looking for a place up and down the country just over half a year ago.

Credit cards yes - most people do not use them, but that’s because not that many people are keen to borrow money or engage in any finance that could be seen as “gambling”, definitely least so the wagies, with the exception of some horse betting or memestocks or in the case of 100% brain use - a savings account at a bank or building society, all of which almost universally already require a bank account meaning a minimum of 2 apps.

You saying this interaction is pointless is very self-reporting, because you are essentially stating that you will not change your mind regardless of how many times and how much you are corrected.

It is an admission that your bizarre insistence that your experience is universal - as if you not knowing how things are in the rest of the world is some sort of attack on you - is in fact, terminal. I’m sorry for you.