You use money? I have cash on me very rarely.

Money is not strictly a physical item, it’s a verifiable record of tradable value. Cash is a physical representation of money usually in bills and coins, but the number in your bank account or credit card or PayPal or whatever is also money.

Money vs Cash

Money - Wikipedia

I’d say they’re the same thing colloquially for many, physical currency, though your point is correct.
I would definitely only use “cash”, “change”, or “bills” when referring to physical currency, but it will of course vary regionally.
Thank you dear bot.