When is this magical time you think when everyone used cash the majority of the time?
Because I'm 45 years old and it wasn't in my adult life. I've had a debt card to my savings/checking since I was 15 years old. And I've had credit cards since I was 19.
Half my friends bought their first homes right after the 2007 crash because mortgages were cheaper than rent. I've financed 4 vehicles. I currently have a mortgage.
I've rarely used cash for anything in my life other than "vice/sin" (drugs, strip clubs) purchases in order to keep them more private.
I don't think your comment has any truth to it at all. Nobody's been relying on cash to get them through most of their purchases since cheques became universal in the early 80's.
Just because same sex couples don't birth kids doesn't mean we'll stop trying.
Anything is possible through Jesus.