It always comes down to better experience and better brand. 
Handling cash sort of sucks, you have to count it manually, it smells weird, you have to have enough of it physically with you, it can be stolen or lost, it's not practical for large value (e.g. buying house).
If majority of people don't experience the issues with centralized plastic cards, they will prefer those to cash.

Now I'm excited about Bitcoin solutions with NFC cards and phones. 
For example, I reprogrammed Hyatt hotel key card to be "tap-to-pay" Bitcoin gift card (using lnurlw) and the experience is great. I just tap someone's phone, it automatically opens their LN wallet and they get the sats... ⚡