I understand that it has to with pandemic related lock-downs, But India has better facilities for digital payments transactions than most other countries with UPI and many in informal sector use them.

The reason why that yoga teacher or the coconut water vendor is not using Google Pay or other apps like many others in their line of work do when cash transactions is not an option should be explored and that's the real problem.

Besides as a consumer if I want better deals or tender coconut delivered at my house I can do that with a groceries app like BigBasket, Instacart etc.