There are some things you need cash for. I don't usually carry cash if I don't have to, I used to be the debit card guy for years and years, and we would go to a restaurant with friends and the bill would need to be split and everyone would throw down cash except me, that's an inconvienence. I usually buy a coffee every morning before work as well and it's like $1.50 and I don't want to spend such a little denomination on my debit card everyday, and you get charged a trasnaction fee for something small too, so cases like that it helps, I usually try and make sure I start the week off with at least a $20 bill in my wallet. That usually covers the cost of small instances like these and other rare times when you need cash/change.