You are right I think. I lived in Finland and rarely used cash. Even people selling their clothes at pop up second hand markets seemed to be able to take card. It has nothing to do with criminality, just culture. Germans use cash a lot and it's harder for me now I live outside the eurozone to go there.
Most Swedes have Swish (mobile payments) so fleamarkets etc. mostly require that. Before I had my Swedish bank account set up (so six years ago) and thus BankId & Swish I often had to get my partner to pay for things even though I had a Visa card and Swedish cash.
