I could have written this comment myself and it would be just as relevant...I'm exactly the same. Nothing to hide but I do hold cash reserves and if I can't spend it? Hmm, a problem.

I don't like the government knowing my spending habits and so use cash where I can, for instance I am going away soon, a short break...It'll be all cash as the government don't need to know about it. I bought a new suit for work a few weeks back - Cash. That sort of thing.

I feel controlled when that say no cash and I don't believe it's legit...But it's the way of the future I guess.

Thanks for commenting.