This was a really well written and interesting. I used a cash only diet for most of college, but switched to credit exclusively late in college and have continued that.
For me, I’m not tempted by little purchases and so the benefits of getting cash back on every purchase outweighs the risk. I also have no debt and have never carried a balance on cards, so I’m in a bit of a different situation.
That said, I do miss being able to physically see the reduction in cash and feel it leaving.