Your post on another thread mentioned digital currency concerns. Recently 34_40 Mike posted that he's a cash guy, avoiding plastic as much as possible. I have to applaud him for that based on another post I saw. Consider:

I visit the grocery store and pay with a $50 bill. The grocer pays salaries, or perhaps orders replacement stock using the $50 bill. The employee pays rent or utilities, using that same $50 bill. That $50 bill goes through hundreds of transactions, holding it's value for each one.
Instead, I visit the grocer and pay my $50 bill with plastic. The grocer pays a 5% convenience fee, so he retains $47.50 to use. He orders replacement stock, using plastic, and the wholesale supplier pays a 5% fee, retaining only $45.13. After 30 transactions, each using plastic, my $50 has been reduced to about $10.75 and the banks have retained $39.35 of my $50 for nothing more than tracking numbers.
I'm as guilty as most of you are (except Mike), as I almost always reach for my credit card for day to day payments, because the retail places have made it inconvenient to use cash. I've always got a bunch of $20's in my pocket, but moths fly out when I open the fold....
I don't know the answer. On-line buying makes it worse, but just going to the grocery store or WallyWorld is the same. They don't really want cash, and they all consider the 5% convenience fee to be a part of doing business today.