It would have been terrible before 1980s for this reason
No ATMs.
You literally have to make it to the bank to withdraw cash during your lunch break if you want cash for the weekend.
If you don't make it, you're screwed. Banks did not open on the weekend.
So no cash for the entire weekend. If you're young and like to go out, that's a problem.
Another thing would be that you'd be pressured to lend money to friends and family all the time.
Imagine having to chase people for money you lent them?
Another problem, carrying a lot of cash around would mean more pickpockets and muggings.
We don't know how good we have it compared to the people of the 70s.