I generally don’t use cash for anything.

However, I do purchase from farmers’ markets or local artisans fairly regularly. For the most part, they can take card via a cell phone-connected device, but there is also an understanding that they have to pay a percentage of the sale to the credit card company. I, and I think other regulars, often carry cash for these occasions.

Venmo and similar apps are another option, but they also want a cut if it’s a business sale, so some sellers prefer to steer clear of them as well.