Lived in Sweden 8 years. I barely know what Swedish money looks like it's used so rarely.
in Switzerland people mostly use cash and It's rude to tip, unless it's rounding up the change
I think they have a lot of outdated views though, even a lot of the bars don't ask you to pay when you order, just settle up when your ready to leave.
like "oh I have a tab? WTF is this madness, you don't even know me bro"
BTW if you drop coins on the floor, it's trinkgeld for the cleaners, don't dare try to pick it up
You can easily spot the poor swiss people though, they will have "post finance cards" and not real bank accounts.
it's almost like rich people have cash, poor people have post finance and usually pay by card rather than go the cash point (post finance is just their version of a post office account, Its not a visa card so you can't use them online afaik)