First are nationally pursuing an agenda in moving both to non-cash sales via contactless payment, and also moving people to m-tickets via a variance between on-bus ticket and m-ticket prices. For instance, the Bristol inner day ticket increased in November from £4.00 to £4.50 for on-bus sales but was frozen at £4.00 for m-tickets. That was painted as being a discount vs. an inevitable fare increase though it can equally be argued as a surcharge for those poorer in society who don't have smartphones/a debit card.
"Education" is not meant as a pejorative term - perhaps more accurately, it is a way of shaping demand etc. However, the way in which we are living our lives is changing. That is clear. Where mobile phones were big and bulky and expensive, the technology moved massively in 10 years so by the end of the 20th century, they were massively more accessible. The same is the case with smartphones - PAYG phones can be bought for £50 and as for a wifi signal, that isn't a requirement. A 4G signal will suffice.
Security concerns are understandable and such systems should be robust and safe. So should ATMs, internet banking and, indeed, the whole banking system.
However, it is the clear direction of travel (no pun) and whilst we progress to a cash free environment, the steps to do so should be done with sufficient sensitivity as to be inclusive not exclusive.
As long as your last paragraph remains the case then that's faor enough. BTW, my phone (which cost more than £50) can only get 3G - and even that is intermittent; usually "H" which is rubbish and I've forgotten what it stands for.