From a woman’s point of view and I’m not a SW, if I want to be discrete, I may use the following reasons:
1. Will take out cash for Kijji purchases and browse kijii site once in a while and leave the cache.
2. If I go to boys nite out, perhaps men night out, I would pay my share by cash instead of giving the card to some dudes.
3. If I take taxi, I pay cash. Don’t mention Uber.
4. I pay all the tips in cash even if I pay the bill using card everywhere.
5. if I have young kids, I pay for neighborhood ice cream van or lemonade.
6. I like to donate few coins at the checkout counter, thus I sometimes pay using cash at Walmart and Loblaws.
7. If I go to rib festival or similar events, I pay using cash.
8. If I go to church or worship places, I donate something.
9. If I work outside of home or pick-up kids, I like to buy hotdogs and fries at the stand for lunch or snacks for kids.
10. If I work downtown, I sometimes give money to homeless.
11. To avoid impulse purchases, I pay cash at Costco and Lee Valley. You have to be careful about this especially Costco.
I won’t withdraw more than $200-$300 biweekly just to be in the safe side