In some areas of Warsaw there are more ATMs than places where you can actually spend money, and card usage is ridiculously high to the point where if a store do

In some areas of Warsaw there are more ATMs than places where you can actually spend money, and card usage is ridiculously high to the point where if a store doesn't accept one you're pissed and think of the place as savages (well, almost, some discount stores and 24h liquors don't have terminals). Meanwhile, in Polish rural areas there is close to no ATMs in 10km radius (made that up, don't have any data), bars and stores don't accept cc and usually you have to take an actual trip to the nearest town for the money. There is also no usage among the elderly, most of them don't trust plastic/electronic money, don't understand how it works, or aren't confident in their abilities to use it.