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If people are below the poverty line then extra fees associated with transaction-handling, cost of technology for access etc are a big deal. Cash is closer to free to use. If you buy something used, a PC, fridge, whatever, because you can't afford new, do you want a transaction fee in addition? It may only be 1% or $1 (not accounting for the price of a smart phone and network costs) but that is still $1 more than you needed with cash.

Cash is not free, there is a time cost to handling the cash, depositing it, there is a risk cost for vendors from employees stealing it, there is a risk cost from being robbed...there are always trade offs.

A lot of these comments mention that cash gives the government less control, however try visiting India or China or Greece and ask people the real reason they use cash. It's to evade taxes and launder money! Same with cash tipping in the US. So in some ways electronic is better to help catch the cheaters, but if it's not transparent it could pose a problem if the wrong people get in charge.

> It's to evade taxes and launder money!

Assuming the government have the right to tax us for everything all the time and that you are not a free man but just a number. This past year I have seen one new tax introduced at regional level and seen at least one other rise by a significant margin (close to 50%). I don't see a like change in the earnings of my colleagues. Maybe we should all try harder to evade the govt, at least a little.

Have you read the linked article, because most of the things you mention are not related to the point discussed in the article. Yes, there are good reasons for electronic transactions, of course there are.

To be fair, if I pay you in cash - and you don't declare your income: I'm not the one evading or avoiding taxes.

We're all responsible for our own actions.

That said, I like having and using cash - it gives me a greater sense and overview of how much I spend and I find it convenient in general.

In the UK at least, there are lots of free bank accounts with no fees for withdrawing cash or using your debit card. I understand it isn't like this everywhere though (especially in the US).

Fees for card payments are a US thing, mostly because they predominantly use credit instead of debit I believe.

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