I carry very little cash, certainly not enough to be tipping people in cash on a regular basis. What usually happens is maybe 1-2 times a year my wife or I will

I carry very little cash, certainly not enough to be tipping people in cash on a regular basis. What usually happens is maybe 1-2 times a year my wife or I will get a few hundred dollars out of the ATM, split it up, and that will be enough to get us through six months or more. I just checked and currently I have three dollars on me. I can't remember the last time I encountered a place that was cash only, though I'm sure they exist. Contrary to your last point, I actually find that using credit cards for everything makes it FAR easier to keep a handle on our spending, which in turn keeps things more reasonable. Having a single place where we can see almost all of our cash flow is very useful.