They meet regularly to discuss how to improve accessibility and availability of these services and products. Because vulnerable groups also need to be able to participate in the payment system. That way, everyone who wants to or needs to, can continue using analogue banking services instead of digital services. And to pay in cash.
Nobody should adopt a “free rider” position, in the hope that his own failure will be counterbalanced by the others. That would endanger the lasting stability of the euro and jeopardise its international attractiveness. That would be bound to sap its credibility. It would also result in political tensions.