They do exist and are increasingly common for new hotel builds, at least where I live. Here is an example of one in Montréal that I stayed in last autumn:
Canada has essentially 6 big banks, instant transfers using Interac has been the most common way of transferring money for years (it launched in 2003) and payment using NFC has been the norm for a decade.
I have bought and sold well over a hundred items on Marketplace in the past few years. There are scams, mostly from buyers wanting you to ship items to them, but insisting on in-person transactions nullifies most of them.
I've even shipped and gotten some items shipped in rare cases from people who I could verify the identity.
This is in Canada (Québec), so I guess mileage may vary.
I agree that their app isn't particularly good, but have you ever used the Subway app or even their website for a mobile order? I think it's the slowest and jankiest app I have ever used. It honestly takes like 5-10 minutes to order two subs that I have saved as favorites.
It should have been phrased, "your return on investments can be the sole source of your retirement wealth."
I think what they mean is that the bulk of your wealth will be the capital that you put into your investments with a reasonable amount of interest/capital gain.