In America, my only need for cash is to leave tips for the hotel maid. But those amounts are $1 bills and the ATM machine only spits out $20. So every 2 or 3

In America, my only need for cash is to leave tips for the hotel maid. But those amounts are $1 bills and the ATM machine only spits out $20. So every 2 or 3 months, I write a check for $100 (payee is "cash"), give it to the teller and she gives me back a stack of one-dollar bills. If I stay at a corporate apartment, I don't even need the $1 bills. That bank interaction is obviously too cumbersome to withdraw $80+ every week to pay cash for taxis. If all taxis refused to take credit card then yes, I'd have to use the ATM on a regular basis. You're right that cashless was only possible recently. Even though credit-cards had been around for 50+ years, most people couldn't go 100% cashless because many places like McDonald's fast food only took cash. Those restaurants avoided credit transactions because having customers wait for the charge receipt and then sign their name clogged up the queue with impatient people. However, a recent revolution in payment processing allowed "no signature" transactions for small amounts under a threshold (say $20). The "no signature" includes not having to electronically sign the touch pad -- it isn't just avoiding paper and pen. With that change, McDonald's started accepting credit cards in 2002. People also might notice that when they pay by credit card at Starbucks, they don't have to sign anything. Credit transactions are now so fast, the situation is reversed: cashiers take longer to count out exact change for cash transactions than let customers pay by credit card! The "no sign" revolution helped make lots of the "cash only" places disappear so now it's very easy to be credit-card only.