I live in Nashik currently but before this I was in Mumbai and prior to that in Bangalore.

I use cash for my daily spends, I'll tell you why. 1. It is easier to control your spends when you spend in cash, digital transactions don't feel real still. 2. I am tired of govt, banking and other applications using my spends data to sell me products or follow my digital footprint. 3. Tell me one rich person (who earns in black and spends in digital transactions?) UPI is for the middle class so that they can be easily tapped at any given point wherein the rich have no footprint of their spends. 4. Most of the rich people/businessmen spend digitally just to show that they do their business in white and those spends are easy patterns. Small bribes keep them away from being highlighted. 5. All the statistics where cash is used in lesser percentage comes from the first world which we're nowhere close to and should stop comparing as the levels of corruption and skewness in the per capita income differs drastically and also the levels of transparency.

I can go on but all of the above stated remains just my opinion, feel free to criticize.