I always carry cash. I may be different, but it surprises me that someone would write a check to buy ice cream. Then again, I am surprised when someone pulls out a credit card to buy a cup of coffee. I assume that only a small percentage of people bounce checks so I think in most cases fees are not a factor.
I only use checks to pay bills and the majority of the time I use the online payment system at my bank for checks so there is no postage or fees. I know many people never carry cash but if I walk out of the house without folding green in my pocket I feel like something is missing.
Also, I think the employees in restaurants or at boat gas docks appreciate cash tips for obvious reasons. I will buy gasoline or pay a restaurant bill with a credit card to get the benefits the card provides but leave the tip in cash.
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