My aunt has dementia. She is no longer able to figure out money so she pays with a $100 bill. That way, she doesn’t face the embarrassment of trying to pay a $35 grocery tab with a $20 bill.
Then she buys scratchers with the $20’s she gets back. Every...freaking....day.
Let me tell you something else that is probably happening if she is like my mother was at that stage. Every clerk that asks if she would like a credit card is told yes. Mom didn’t use the cards to speak of but they sent initial 50 dollar charges for annual fees that were never paid and the penalties added up to 200 to 500 bucks. Since the card companies won’t deal with anyone but the card holder, even with Durable Power of Attorney, just imagine closing out 28 credit cards that have that problem.