and have yet to use but have it "just in case". 
I rode public transit to school for 9 years (was at a close-by school to walk the first 3 years), and to work for the first 3 years and pretty much have driven since (not counting Amtrak trips).
The train schedules got worse and worse when I was working where it was faster (and cheaper when carpooling) to drive.
I was just happy with the "tap and go" credit cards with the RF chips (first time I used one on the first card I have that got that was when I was in Canada in Niagara Falls (on the Canadian side) 11 years ago in a restaurant. 
I also keep quarters as there are still some old parking meters that don't have kiosks and when I get air for my tires, the machines take quarters (although some now have some kind of electronic pay option).
I will say that since they transferred my scripts to CVS from Rite Aid, I have had a dickens of a time dealing with the CVS "app check-in" thing. The app "works" when I'm at home putzing with it but in the pharmacy, there are apparently issues with the cell signals and the QR code page in the app just spins on my phone (a new T-Mobile iPhone 17 Pro) when trying to pull it up to scan on the kiosk thing. 
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