The problem is that everyone isn’t the same and while your £10 per month suits your needs it might not suit everyone else’s needs.
I take it you don’t deal with physical receipts/invoices or any of that traditional paper trail nonsense? Also, the risk that the consumer takes by paying cash to a tradesmen/building company is greatly reduced when you know said person/company. I’d very rarely get work done on something if I didnt know the person/company and the standard of their work.
While I agree that cash transactions are becoming less frequent, and I very rarely even bother carrying cash, the fact of the matter is that it’s a bank, it’s your cash, and you you should be able to access it in the quantities you need for whatever purposes you need.
As for being nervous about withdrawing large sums of money, if you worry too much you’d never leave the house… what if I get hit with a bus on the way to work, what if the plane I’m going on crashes, what if the train I’m on derails!? Ah jeez I think I’ll just go back to bed and stay at home today to be on the safe side.