I've yet to find it much of a disaster. I used to mostly use cash but now most of the everyday stuff like coffee and supermarkets is electronic. I'm not sure what's disastrous? You can still use cash if you want to do something illegal or iffy.
So your VISA, Mastercard, or debit-backed-by-a-US-reachable-bank records can show you've been purchasing what the US Customs officers see as a highly illegal drug, and you potentially lied about it the last time you said you didn't.
Depending on your ties to the States, like family, property, transiting across the border each day for work, or just an annual holiday, I would count that as a disaster.
But I'm sure the US would never... /s
https://old.reddit.com/r/canada/comments/9hhkxw/us_border_of...