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I was confused by this (because I rarely carry cash) until I saw your response below. I think OP might be using credit/debit card interchangeably? I don't use my credit cards unless I have to, but my debit card is used daily.

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Are you in the U.S.? As an American I use a credit card for nearly 100% of my purchases, on a daily basis. I pay my bill in full each month. I might pay a 2–3% surcharge on a subset of those purchases, but I am reasonably sure I get more than that back in rebates. My Amex offers 2% back on groceries and the grocery store doesn’t charge extra for credit card purchases.

I basically never use my debit card for anything but ATM transactions, and the only time I have any cash in my wallet is when I have recently gone to a cash-only bar or to Las Vegas.

I default to credit/charge cards over debit cards because, in my country, debit cards offer far less consumer protection than credit cards.

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