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I don't think the OP is suggesting a plastic-less society. The points simply lay out the reasons to keep cash on the table as a viable option. I actually agree with you both. I spend a good deal of energy maximizing the rewards points I get. However, I love being able to buy a [insert product here] from another individual without an institution or government knowing about that purchase. The disenfranchisement is a HUGE issue. You and I live on plastic, but SO MANY people I work with live in a cash only world. Whether impoverished or living on cash by choice (it's actually something I recommend when counseling people on budgeting - there's a whole system) - some people CANNOT live in a plastic world.