It's a good mind trick to look on a single additional transaction. But you are also not thinking about all the costs you have per month for storing, securing, e

It's a good mind trick to look on a single additional transaction. But you are also not thinking about all the costs you have per month for storing, securing, exchanging cash. But to correct myself: This 5€ break even is on a macroeconomic level on all parties. Cash is more expensive on this level when you spend more than 5€ on a single transaction. Just one example of the other party: the end consumer also cannot get cash for free (even when he get's it free from the ATM, there are costs the bank has and maybe you pay them indirectly).