I understand the appeal of the debit card. Really, I do. The idea of not having to fumble through cash, not risking theft of cash, not having to make the extra trip to the ATM, ease of tracking expenditures… there are advantages. I get it. The debit card has its place, and in a pinch, it can come in handy.
Advantageous though it may be, carrying a debit card in lieu of cash is a distasteful and, frankly, unmanly practice that men must stop. Here are just a few of the reasons cash is king.
CARDS MAKE EVERYTHING MORE EXPENSIVE
Most people don’t realize this, but retailers are charged a percentage – up to 3.5 percent – for every transaction processed via VISA or MasterCard. (If you’re a huge flaming corporate dick and use American Express, that goes up to 5 percent, which is why AMEX is accepted at many fewer places.) It is more expensive for businesses to accept the card than to take cash. Do you think retailers are just going to pay that additional cost out of their own pockets? No. They adjust pricing based on the percentage of transactions that take place via card. The more people use their cards, the higher prices are raised.
THE RESTAURANT FIASCO
There is nothing more pathetic than six adults sitting at a table pulling out six different cards to pay the check (and no, I don’t care that Patrick Bateman did it – look how he turned out). The waiter has to go back to his little computer stall and redistribute each item on the check Sure, it’s computerized, but that doesn’t mean it’s not a hassle. So you’re okay with hassling the poor bastard who has been serving you like a king for the last hour while you sat on your fat ass and bitched about the lack of ketchup? Why make a hard job harder? It’s one thing for women to bust out a calculator – or even for women to commit this same Restaurant Fiasco; women are expected to be more difficult to deal with, because, let’s be honest, women are usually more difficult to deal with. But men? Men have an obligation to play it cool; act smooth. There is absolutely NOTHING smooth, cool or manly about asking the server to split up the check. It’s cheap and it’s lousy; stop doing it.
THE TIP
Tipping on a card is the final insult to the person you’re tipping. Take a moment to consider the folks who work in the service industry. Is there anything desirable about their jobs? Yes: CASH TIPS. When you tip on a card, you create a paper trail, thus eliminating pretty much the only advantage there is to being employed in the service industry: easy income tax evasion.
Do not fuck with the people serving your food. Tip them in cash.
THE SPEED
Fortunately, most places have instituted new policies aimed at making the card transaction move more quickly. If your purchase is under $25, you no longer are required by law to provide a signature; the swipe is enough. But some places still require the signature – and some places still have the old dial-up modem system of verification, rather than broadband internet connections. Standing in line behind some assbag who is paying for a pack of gum via a 56k connection circa 1995 America Online when he should’ve had some cash on him like a real man would? That should be punishable by castration. It’s a no-no, so no more of it!
THE FRAUD
You’re really going to trust the $8-an-hour kid at 7-Eleven, who can barely put on a pair of pants, with direct access to your checking account? I wouldn’t let that drooling idiot mow my lawn let alone access my account!
In all seriousness, we all know somebody who has been the victim of some form of identity theft or credit theft and the like. It’s a problem, and the use of debit cards only serves to escalate said problem. Paying with cash keeps your accounts secure.
THE BRIBE
Let’s say it’s 3 AM, and you have an insatiable desire to get into the VIP area of the club you’re in, because the ridiculous blonde who was grinding your junk went in there, and you think you’ve got a shot, if only you can somehow get into that VIP room. Well, you don’t have a shot… but that’s not the point. How in the hell do you expect to grease Grizz and Dot Com at the VIP entrance without cash? You can’t swipe your card down their cracks and expect to get anything other than a beatdown. But if you slip them some good old fashioned greenbacks, you might get to process an entirely different transaction later on. Why risk it, Plastic Boy?
THE BALLS
We live in a day and age where meterosexuality is not only prevalent, but appealing, even. That’s a good thing; ridding society of neanderthals is a positive step toward a more civilized society. But as we men become more refined, we must guard against losing our gender identities altogether. Paying with a card is tantamount to a note from your mother saying you’re good for the cash. It’s half a step up from paying by check, which is only slightly less humiliating than using coupons, or begging on the corner. Nobody respects a man who pays with plastic where cash is feasible.
We men have precious few avenues to express our primal maleness anymore. Currency is one of them. There are few things more confidence-inspiring than walking around with a big fat wad of cash in your wallet. Having the peace of mind to know that you can stumble into almost any challenging situation and buy your way out of it is a luxury only afforded to men with cash. With the right amount of cash in your pocket, you can pretty much make anything you need or want happen, no matter where you are or what time it is. No longer can a man carry a sword or a knife or a pistol in polite society; but he can still carry cash, and if you get jammed up, cash can be just as effective a weapon as any other.
Cash is impressive, and it is a universal language. It is not limited and not traced. Cash represents freedom. It doesn’t matter who you are; if you have the right amount of cash, you’re just as good as the next guy. Cash trumps all – it is the ultimate ace in the hole. Where debit cards get things paid for, cash gets things done. This is why Cash is King, and your plastic is just a pawn.