yes it is indeed a sneaky process. Trying something out - wait for the public to react, and then step on or step back to reorganize.

I for myself pay nearly all the time in cash. This year so far, I only used my card only three times. My bank recently closed its branch in my place, so I have to take a 15 minutes travel to get to the next one. That is not really an effort, but I think some are lazy enough to waive and take their card instead.

A big "publicly owned" bank in Germany recently started to raise fees to it's Customers to cash out their own money, whilst advertising lot's on national TV to use their "pay with your mobile" App