Okay, then we all carry lots of cash.”
My credit union will provide a “Gift Card” with no percentage charge for amounts up to $300. So if I am going to be doing some shopping, either locally or on-line, I just take cash and exchange it for a card. Save up my purchases and do them all on the same day so there is never anything left on the card when I finish. My local grocery store also allows purchase of a Gift Card in exchange for cash and they charge 2% of purchase amount. But with each $100 purchased, I get $.10 off a gallon of gas and can use up to $.50 off at one time. So at least I net $.08 off a gallon of gas. Either choice has worked well for me.
I think that’s an interesting approach.
I’m sure you can find A/E or other cash/cards you can dump large amounts on too.