I don't know what your percention of Norway is, but having moved around a bit and currently being based here, I see that Scandinavians have a different relationship with governments and corporations than in many other countries. For a start, it's not primarily seen as an adversarial relationship. It's more of the people, for the people. Not perfect, but Scandinavian societies rely on a high level of trust and it works, for now. There's been an increase in data protection recently, which I think is needed as it's a bit too transparent at times.
The government doesn't know about every purchase you make but there is a lot of data sharing. However there is a lot more consumer protection and less power lies with unaccountable corporations than in many other capitalist countries, where corporations have almost free reign and have powerful influence over society, economy & politic. For example, credit scoring is relatively new here and is a lot less intense than other countries. In places like the UK/USA, credit scoring companies control your financial possibilities. Much less so in Scandinavia.
There is a small number of people for whom a cashless society poses problems, but it's probably less, and a different subset, than you think. Those I know of through association tend to be those who suffer severe mental health issues. Old people have bank accounts, debit cards and mobile phones for digital transactions. As for homeless people, there are less of them in Scandinavia than in other countries. Almost all of them will still have a bank account and a mobile phone and be receiving state funds digitally. (Homelessness is not defined as living on the street, almost all the homeless are in temporary housing.)
