In the US atleast if you're making cash payments you are subsidizing all credit card and debit card transactions. I end up at the end of the year with hundreds

In the US atleast if you're making cash payments you are subsidizing all credit card and debit card transactions. I end up at the end of the year with hundreds of dollars (often times over a thousand if I was awarded a bonus for a new card) returned back to me in cash back. If I convert to miles they are worth even more. I never use cash anywhere that accepts cards. Online banking also makes it very easy to manage my cards to ensure I'm never paying interest since the first interest payment usually totally eats up any savings from cash back.