> I can not pay with a bank note suddenly?

In some places you cannot. I was in London post-COVID and there were a bunch of tourist things, like a riverboat on the Thames, where you could only pay with a card. Went to a craft cider bar out in the countryside and again, they didn’t accept cash. Personally, I think businesses should be forced to accept all legal tender, which means cash stays as a first class payment method, but that’s not how it is in many places.

On the other hand, in Austria there are many places that are cash only, especially small restaurants in the countryside or community sporting events with coffee bars.