Cash is insanely inconvenient, cannot be used at self checkout (which is the only reason I don't despise doing groceries), is more risk carrying big amounts and not even accepted above a certain amount in most stores.
We just need an actual Visa/Mastercard EU edition.
I'm living in the Netherlands and it just works here, even paid for a domain name and with my NL details. Also can't you just use a VPN to bypass this?
There's also the free ksuite mail/drive as a free email alternative!