Once a certain cultural trait is established, inertia can keep it alive for a long time after the original reason is gone.
As a cash-paying German I think that the main appeal to me is that cash payments are a process you can easily understand in its entirety, whereas everything else comes with an infinite supply of unknowns big and small. Sure, it's easy to grasp the basic and get adequate working knowledge, but there will always be lines in the fine print, lines in the code and lines in the physical specs of the hardware that you never read and even if you did you may not have understood correctly. You don't have to worry about these things, but you could, and that seems to be enough for many to stick to what they know.
Also, not paying cash feels lazy, some stereotypes might apply. (Now I wonder about the possibility of a correlation between cash and the protestant/catholic divide still present as a cultural shadow of the past even amongst decidedly atheist Germans - payment customs in the nordics suggest otherwise though)
As a cash-paying German I think that the main appeal to me is that cash payments are a process you can easily understand in its entirety, whereas everything else comes with an infinite supply of unknowns big and small. Sure, it's easy to grasp the basic and get adequate working knowledge, but there will always be lines in the fine print, lines in the code and lines in the physical specs of the hardware that you never read and even if you did you may not have understood correctly. You don't have to worry about these things, but you could, and that seems to be enough for many to stick to what they know.
Also, not paying cash feels lazy, some stereotypes might apply. (Now I wonder about the possibility of a correlation between cash and the protestant/catholic divide still present as a cultural shadow of the past even amongst decidedly atheist Germans - payment customs in the nordics suggest otherwise though)