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It’s pretty easy, but not zero effort. I don’t carry a wallet, so it’s just one more thing to potentially lose. And I tend to spend cash whenever I have it. Not sure why, but it quickly burns a hole in my pocket.
You cannot quantify the benefits of the cash when it comes to unexpected events. Did anybody expect covid to have the economic and lifestyle ramifications before it happened? Ask anybody that has been in a prolonged power outage, weather event, or natural disaster how having money for food, water, batteries, possibly fuel , supplies can make a difference. I get why you don't do it--you politely and civilly articulated why it doesn't make sense for you--and as I said to the other poster--I appreciated our exchange and points of view. Some people on the other side of the argument are twisting my words and context against me without articulating any reasons why they think that carrying cash is a bad idea or doesn't make sense for them. As far as I'm concerned--you've stated your case and in your case--I think it's a strong one.
This is true. There is a reason why vegas doesn't take cash bets at blackjack tables. They find that when players actually see their green cash changing hands--they become more cognizant of it and gamble less. By making you buy chips and then using those to gamble--you are likely to gamble more and lose more. I use my credit and debit cards more often not because they save me from spending money--I do it solely because it helps me in regards to my accounting and seeing where I'm spending my money. I can say with certainty--that using my debit and credit cards is doing nothing to make me spend less.
Or, you know, if you literally never use cash for anything then there's no reason to carry cash on you at all times. If you're going to need cash for some reason, go get some. The cash-carriers are the ones trying to prove that their way is "right," the rest of us have said it's fine if you want to carry and fine if you don't.
I’ve gone 46 years and never had a cash emergency - I’m not sure if I’ve ever heard of anyone I know having a cash emergency. If you want to carry cash then fine, if you want to consider those that don’t irresponsible, fine - we think you are judgemental and have no point. We can agree to disagree.
You cannot quantify the benefits precisely, though one can estimate what an extra $20 could provide. But I have non-perishable food, water, batteries/light and other supplies already prepared at home for an emergency.
I'm not trying to prove anything. Just not my habit. And I have no wallet. Not really using my credit card points either.
Absolutely we can agree to disagree--there is zero shame in that outcome. You are entitled to your opinion and I'm entitled to mine. And you just judged me and proved my point that everybody judges the actions and decisions of others.
Boy, are you being rude in here. We get it - you think jvd is wrong.Or, you know, if you literally never use cash for anything then there's no reason to carry cash on you at all times. If you're going to need cash for some reason, go get some. The cash-carriers are the ones trying to prove that their way is "right," the rest of us have said it's fine if you want to carry and fine if you don't.
If I ever end up in some highly specific (and correspondingly extremely unlikely) scenario where I need a $20 bill to save my life and am unable to acquire one, I'll admit bonkers guy was right with my dying breath.
Mid 30's, vacations aside generally only carry cash if I need it. Bank is less than a block away, so I just leave a couple minutes early if I'm heading somewhere I need it. Golf course, take out from local joint (don't want them dinged for cc fees), bars (pre covid), etc.
Yes, I think the guy calling other people immature, irresponsible and unprofessional (not to mention snarky and trolling) for perfectly normal behavior is wrong. In fact, I know he's wrong, we all do. But, you know, we can just fall back on this old standby:
First of all- i’ve Invited you plenty of times in this thread to politely inform me of how not carrying around any cash is a responsible and mature decision. Is the notion that the banking system is 100% full proof and infallible your position? Are you implying that there is a 0% chance that at some point in your life there will ever be a moment where you might need cash to where it’s not readily available to you? If you guys don’t want to carry around cash- that’s your decision- but the arguments for why most of you don’t do it are not compelling. Most of them basically are “ well yeah, having a little cash could maybe help, but not that much”. Not wearing seatbelts could also be viewed as being an irresponsible and immature decision. Not having home or car insurance could also be viewed as that. If an uninsured driver hits your car- are you going to tell me that you won’t judge that persons decision to not carry car insurance as being irresponsible and immature? Don’t try to vilify me when everybody - including yourself —judges people’s actions and decisions.Yes, I think the guy calling other people immature, irresponsible and unprofessional (not to mention snarky and trolling) for perfectly normal behavior is wrong. In fact, I know he's wrong, we all do. But, you know, we can just fall back on this old standby:
There are quite a few "normal" things that people do that are immature, irresponsible, and unprofessional.Yes, I think the guy calling other people immature, irresponsible and unprofessional (not to mention snarky and trolling) for perfectly normal behavior is wrong. In fact, I know he's wrong, we all do. But, you know, we can just fall back on this old standby:
It's 2020, she probably does.
But obviously if I'm walking down the street to buy lemonade from a child I'd bring some cash from my house. I love how in order to try to defend the absurd position someone took, you have to come up with examples that have absolutely nothing to do with the position he took. 
I mean, this thread was literally created in response to the bonkers take we're discussing here because it was muddled up in a different thread, but ok.
Right. A small transaction with a card is basically zero profit for them.
Does no one else remember when Zelle** first came out, they used to have commercials with a lemonade stand that accepted Zelle payments? So the guy with no cash in his wallet could just Zelle over a buck for a cup?It's 2020, she probably does.
I thought the transaction fee was a percentage. Is there a minimum transaction charge, like $0.20 or 3%, whichever is greater?
Can you explain this to me? I understand merchants pay a cc fee for each transaction involving credit, but tips are taxed the same regardless. Kinda like paying cash for services “under the table”, I feel like cash tips are often a vehicle for tax evasion.
If your car breaks down and you need a tow, some tow companies don't take credit. Cash only.
Waiter have to pay tax on tips (although it can be argued that they don’t pay tax because of the new tax code) vs cash which you only claim a portion of. Same for any small business you pay cash at.
I think he is saying he doesn't like tax evasion.sbonomo said:
On some level this makes sense, but isn’t the whole point of businesses offering alternative payment types to increase revenue? Surely the greater number of purchases enabled by accepting cc, etc. more than offsets the fees cc companies charge.MAC_32 said:
How much does towing cost nowadays? Leaving an emergency fund in the vehicle kinda makes sense, though I can’t ever recall anyone needing urgent towing, except following an accident. Don’t many auto insurers provide this service?johnnycakes said:
