I use the CommBank app for touch payments and I'm constantly surprised by how good uptake here in Oz is. I've barely touched cash or any other payment form in the last year+, and mixed use going back way further than that. Even if it's a coffee from a coffee cart at the markets, everyone here takes paypass. I regularly go out now with nothing except my phone (and license in pocket with phone if I'm driving), with no fear of getting stuck needing cash/card. It's so nice not carrying a wallet.
I can also go to ATMs using their Cardless Cash option in the app, which solves your other point.
I can also go to ATMs using their Cardless Cash option in the app, which solves your other point.