I don't think we're not talking about homeless or unhoused people here. Thats a whole new can of worms. We're talking about lower-income and some middle- income households that may be struggling to purchase everyday essentials.
I was throwing in some hyperbole there, but the reality is that the higher your level of income and education, the more likely you will be able to take advantage of the savings you discuss.
Yes, at this point, most of those households you describe do have smart phones such that they can use the apps, but there is also a function of being in the ecosystem where it gets sort of automatic to use them. Not to mention that in wealthier areas like this metro, adoption of that sort of thing by retail is so high, that access to that savings is universal. Every mom and pop diner has an app.
This before we get into things like access to FSA/HSA, etc... We use the buses and trains around here. A lot of lower income people scraping coins out of pockets to pay fares, meanwhile I am able to put pre-tax money into an app on each of our smart phones through my company.
A wild example of how it accelerates, there is a boutique urgent care facility near our office. They contract with the various big firms around the area. If we need an urgent care visit, I can go there, flash my badge, and get treated. No co-pays, paperwork, deductibles, etc... it's like I never went there. The economy of scale for Google/Facebook/Apple to just source that care there, saves the company money.
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