Earlier quoted context omitted.
Most european countries simply don't have any problems with pen and paper voting. Turnout is typically much larger than in the US with its crazy mix of electronic/mail-in/in-person voting. Probably this is due to automatic voter registration for all citizens, having the elections on Sunday or on a holiday, and (in some cases) not having a first-past-the-post system where a large fraction of votes don't matter anyway.
Yes we do, everyone has them. There is an unimaginable difference between a system where you can have a referendum on =X once per year and it costs 10mil or a system where you can have a referendum every second and it costs ~0. We can then vote for issues directly instead of having people that may or may not (as is most often the case) vote in a way they signal they would before elected.
Think about Brexit - bad faith arguing from one side, constant lying, no plan about how to actually leave, and then a protest vote pushed it last 50% so now we have to leave on a no deal because it's an impossible policy to do in a few years.
A referendum is OK for deep constitutional issues, but policy should not be decided by referenda especially vague ones.
Policy is also quite hard to undo, a direct voting system would like lead to us living in a rent-controlled, capital punishment-ing, overtaxed reactionary world.