There is a hierarchy of payment convenience. Barter < cash < card with signature < card with PIN < tap card < tap phone. As you move up people think less about

There is a hierarchy of payment convenience. Barter < cash < card with signature < card with PIN < tap card < tap phone. As you move up people think less about the reality of their payments and spend more. When tap to pay was introduced in the UK the banks predicted and saw a small uptick in bad debt amongst the poorest for this reason. More transactions are good for the economy but not necessarily for the individual. I use cash because it's easier to not spend it.