I generally use cash for everything. The exceptions being large purchases or where I need a secondary proof of purchase.

I was once asked by my bank why I wasn't taking advantage of of the convenience my contactless debit card offered. I said because I didn't want them knowing what I spent my money on.

This led on to me being advised that I would struggle to get loan or mortgage facilities because the bank would be unable to see if I was spending my money responsibly.

I can live with that.