IMHO the blame lies more with the banking "geniuses" who were responsible for designing lousy apps which are inherently cumbersome, awkward and slow to use, rather than with those who are striving to make the best of an extremely bad job in using them. About a year ago I had a brief flirtation with the dreaded Bangkok Bank app, but dumped it after it started playing me up big time whenever I attempted to use it for making scanned QR payments at Big C, Makro, etc.
As a result, cash is also king for me nowadays here in LOS. A great pity that Contactless has not caught on here in the way it has back in my home country (UK) as well as in Australia, presumably. However, I understand that the maximum amount for Contactless payments without the need for passcodes, etc is a ridiculously low 1,500 THB in LOS, when compared to around 4,300 THB (£100) in the UK, so that may have something to do with it.