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> the convenience of carrying around just one card vs various bills and coins is hard to give up.

How hard is it to carry cash? You don't have to take coins; you just take your wallet which already has the bills. "various" doesn't make sense: you don't need to make sure to bring some 1s, a 5, 4 10s, etc.

Just put the change in your pocket and put it in a bowl when you get home.



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