When I pay with cash the transaction is settled in literally 15 seconds. When I pay with a card it takes days, involves dozens of people and many capital and ma

When I pay with cash the transaction is settled in literally 15 seconds. When I pay with a card it takes days, involves dozens of people and many capital and mantainance heavy systems which are extremely fragile. Additionally the digital payment services provider will take their relatively large cut so the process of the transaction can drag out over even longer times and greater costs. With cash you pay only the cost and tax and you need not ever think of it again. The experience of using cash is very simple, fast, and reliable. In the future digital payment systems may become those things but unless you're in an urban area they currently are not. Your experience of using digital payment systems in person in, say, a coastal megalopolis differs significantly from using it to buy a shovel at a hardware store in a small town. At best (with credit or debit cards) it's almost as convient as cash, most of the time. If I want to exchange value with another human person cash makes it easy and simple. It is far from easy with digital systems involving arbitrary third party corporate persons. As for online stuff I mostly use bitcoin.