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I use cash as often as possible when buying small ticket items, especially from small businesses. I like rewards as much as the next guy, but if I go to my local coffee house and buy a coffee and a muffin for $5, I don't think it's right for them to have to pay on their already thin margins. I almost always have some cash on me, the exception being when my wife, knowing this information, uses me as an ATM, because she forgot to go. The proliferation of credit cards, obviously, is not free, as you well know. We're paying a high collective price for not using cash. Amex isn't giving me a free plane ticket every year out of the goodness of their heart.