Last Friday, when we were paying for lunch in Bellingham, Washington, I was reminded how frequently folks use cash down there. I think I've had the same $20 note in my wallet for months.

I put almost every single transaction through my MasterCard. I owe nothing on the card, in fact, I pay a bit ahead at the beginning of each month just to ensure I never have to make an interest payment. I'm fairly sure I'm the type of customer that credit card companies don't really like. I do this not simply for ease but the bonus points I rack-up. We get hundreds of dollars cash back on grocery items every year as my card is issued through President's Choice Financial. As well, if there's money owed that doesn't go through plastic, then it is directly withdrawn through our online banking accounts. I can count on one hand the number of times I enter a bank in a year.
For these reasons, I am always amazed by how people in the States often whip out a roll of bills when making daily purchases. It just seems so quaint.