A few more costs: Risk of theft (employee, passerby, organized crime). Theft is way down largely due to lack of cash. Convenience/time. It takes (paid) time t

A few more costs: Risk of theft (employee, passerby, organized crime). Theft is way down largely due to lack of cash. Convenience/time. It takes (paid) time to drop cash. And customer time to manage cash. And lost sales due to people not having enough cash on them. Lower average sales. People spend more when using cards than cash due to psychological reasons.