Banks were going to junk the use of cheques a couple of years ago. After it was pointed out to them that they were basically denying a service to people without mobile phones or internet access (still a few million people in the UK), they relented. Cheque services became noticably quicker and more streamlined, too.
An app-only card would be no use to me. I'd be asking my bank for a card that worked over the web if they changed the rules on mine - I still don't have a mobile phone, and don't really want one. If the bank still wants my business (and the business of people like me) it will have to provide services that suit me and others like me.
Hard for them, maybe, but the more advanced technology gets, the more complicated life will get for all sorts of businesses - there will always be some customers wanting the latest tech, some who tag along a bit later, and some who doggedly stick to the old tried-and-trusted ways, and working out how to serve each, or whether they want to, will be part of managing each business.
