I detest those where it's only possible to pay by card or phone. I understand all loos can't be free, there are repairs and maintenance and cleaning costs, + the wages for those workers, OK, no problem.
I've been to various areas over the years where they're not either free or use cash.
Even though I'm not disabled, I bought a RADAR key online for emergencies! I tried to buy one from a Tourist Information Centre, but they needed proof of a disability, like a Blue Badge, various medical reports, etc., so online I went with no questions asked!
One time up in Scotland, there were only card/phone loos, and I was absolutely desperate to go; that's why I stopped the car, hoping for a free or cash loo, and there were no RADAR loos.
In the end, I sneaked into the leisure centre, thankfully, the woman on the desk was busy and didn't appear to notice me as I casually but quickly walked in looking for a loo ... ANY loo ...! Found them, then managed to sneak back out with the desk woman seeing me!