I'm definitely in the cash camp, not only for privacy but also just wanting to limit how many vendors have my credit card info (so I use Apple Pay whenever poss

I'm definitely in the cash camp, not only for privacy but also just wanting to limit how many vendors have my credit card info (so I use Apple Pay whenever possible, if not cash), especially after point-of-sale breaches like the ones at Target and Home Depot. The problem with cash, for me, was that I'd run out of it too quickly. That changed when I started focusing on saving 60% of take home pay, cooking almost all meals at home, stopped going to bars/cafes/coffee shops, comparison shopping of groceries (shifting to costco), etc. Now I don't worry about small effects like CC cash-back or accidental frugality, because hitting over 60% savings is an overwhelming effect.