Why do you use the ATM so much? (just curious!). I rarely make more than a couple of trips per month. Even @ $3 (which I do feel is a bit much), isn't it less than a c-o-c @ Starbucks?
A few places I go "prefer" cash. I get a discount using it versus CC. I'm guessing either (1) avoid CC transaction fee or (2) avoid taxes. It's an asian thing.
For example, a mechanic i use to see for a beater car would give me 10% off his already cheap rate if I paid him cash.
Also, I like to keep about $200 in my wallet. When my wallet is empty, the stock market goes down that day. (Yes, I know. It's superstitious)
