This is mostly my reason too. Using payments networks makes you beholden to somebody else and reliant on their systems working properly. But nobody selling you

This is mostly my reason too. Using payments networks makes you beholden to somebody else and reliant on their systems working properly. But nobody selling you stuff gives a shit about that, if it doesn't work, it's your fault. So it's better to take responsibility and keep cash and not be stuck because of other people's problems. Concretely, I went across town last year with my wife to try a popular counter-service restaurant. Their payment system wasn't working, and during the time I paid for and waited for my order, they turned away about 10 other people who didn't have cash to pay.