> I have to stop, wait, find my wallet, make sure it has a card with a balance on it, make the card isn't damaged (demagnetized, scuffed chip contacts, curled up in the heat of the clothes drier), know what that balance is, and if I don't have this singleton plastic token that I cannot easily replace or trade, I can't go to certain places?
This is a gross exaggeration.
> I have to stop, wait, find my wallet
Because you just cram bills in your pocket. No. You'll have to get your wallet regardless. And your wallet hold more than just your credit cards, it holds your license and any other bits you'll need when out and about. Don't act like the wallet exists solely to facilitate credit cards.
> make sure it has a card with a balance on it
This is entirely a different problem. And one that is on you. This is something I don't think about. If you are juggling that many cards, especially ones where you've reached the limit or don't have funds in the account to cover an expense you plan on, that just sounds like poor money management. Your option in a cash-based society would be simple starvation.
> make the card isn't damaged (demagnetized, scuffed chip contacts, curled up in the heat of the clothes drier)
Are you that careless? Also, cash can be damaged by washing machines and such as well. I've never really had to worry about whether or not my card is damaged.
> know what that balance is
Probably the only salient point in that entire block of nonsense. You'd need to kind of remember your balance if you use it daily. But then again, when I was poor, that number was always in my head. And it's not like it would be much different than a checkbook if you wanted to keep track.
> and if I don't have this singleton plastic token that I cannot easily replace or trade, I can't go to certain places?
And? There are all sorts of tokens that restrict your ability to go places that you aren't complaining about.
> food service normally loves cash, because they can report it differently. Tips are quasi-off-the-books
You don't need your liscense (or other id), if you're not driving. (Often, it's a good idea to have, but it's not required for citizens in the US).
Another thing is I can give $20 to a reasonably responsible child and ask them to fetch me a burrito. It's not a good idea to do that with a credit or debit card; I would have authorized them, but if challenged they may not be able to complete the transaction and may have trouble bringing my card back.
You're giving good-faith rebuttals to arguments that weren't offered in good faith. Nobody actually has trouble leaving the house with their wallet. That's not a real problem that intellectually average people actually have.
But if you had a wallet, would you consider it a herculean task to "take it with you"?
That's who he's "treating... as if they're degenerates or below intellectually average", people who think "bringing a wallet" is this massive undertaking that requires a paragraph to describe.
This is a gross exaggeration.
> I have to stop, wait, find my wallet
Because you just cram bills in your pocket. No. You'll have to get your wallet regardless. And your wallet hold more than just your credit cards, it holds your license and any other bits you'll need when out and about. Don't act like the wallet exists solely to facilitate credit cards.
> make sure it has a card with a balance on it
This is entirely a different problem. And one that is on you. This is something I don't think about. If you are juggling that many cards, especially ones where you've reached the limit or don't have funds in the account to cover an expense you plan on, that just sounds like poor money management. Your option in a cash-based society would be simple starvation.
> make the card isn't damaged (demagnetized, scuffed chip contacts, curled up in the heat of the clothes drier)
Are you that careless? Also, cash can be damaged by washing machines and such as well. I've never really had to worry about whether or not my card is damaged.
> know what that balance is
Probably the only salient point in that entire block of nonsense. You'd need to kind of remember your balance if you use it daily. But then again, when I was poor, that number was always in my head. And it's not like it would be much different than a checkbook if you wanted to keep track.
> and if I don't have this singleton plastic token that I cannot easily replace or trade, I can't go to certain places?
And? There are all sorts of tokens that restrict your ability to go places that you aren't complaining about.
> food service normally loves cash, because they can report it differently. Tips are quasi-off-the-books
Aka, fraud.