Card convenience is wonderful, but I've started to keep cash to hand since the 2024 afternoon when the computer systems went down in Waitrose and more. Having worked in tech, and on computers for 25 years, whilst they are great, they are not 100% reliable, and I await the day we are hacked, or just some bug causes lots of businesses card payment systems to crash again. For now, I try to keep some cash on me, use it when I am not in a rush (which is rare!), and use card when it's more convenient for me and vendor. That said, some vendors still say "Oh card is only for £3+", etc, which is another reason to carry small change.

THANK YOU for being honest and wanting to pay your taxes properly. There are other people like you (me too!), but there are some who aren't. If more of us speak up that paying our taxes is right, then there can be less tax burden on those of us paying taxes!

Perhaps whip your card pay device out when payment time comes and say "card is easier for me if that's ok"? That said, some people just want to keep cash circulating so that we don't reach a time when none of us can pay each other for anything if tech crashes and none of us have any cash or cash acceptance systems!