This seems a US centric problem. No one in Europe has carried checks since the 90s and large bank transactions are really a non issue as they resolve within a banking day and for a small fee you can usually do real time transfers too.
Or for free. One of the reasons Venmo and similar do well in the US but have almost no equivalent (and certainly not at scale) in the UK, for example, is that free, near instant transfer of cash from retail (i.e. ordinary people) bank accounts has been free for years. If I need to pay someone, I need their bank account number and their bank identifying number, and that's it; the money will be in their bank within sixty seconds, with no fee. I've told people mine so often to get paid that I've accidentally memorised it.
Even some people who historically took cash (such as household tradesmen) now often simply have the money transferred instantly on the doorstep, rather than have to carry cash around in their pockets all day. I imagine a similar story in much of the rest of Europe.
