That often quoted (or misquoted?) study was wildly misleading and became complete misinformation through the retelling. People who said they'd pay using a cred

That often quoted (or misquoted?) study was wildly misleading and became complete misinformation through the retelling. People who said they'd pay using a credit card got reported in the media as being "unable to afford" the expense. The original study might have been an interesting finding on the transition to a cashless society, but for millions of Americans, paying using a credit card is the default rather than carrying cash and dealing with change, and not actually indicative of lacking funds to pay for something.