I use VISA debit for almost everything too, but I also like cash, hold it, and need the ability to use it...Otherwise it's just polymer. I stack metals too and would love to be able to pay-like-a-pirate but that's not possible either generally...So, I'm like the rest of the world, forced to use cards. Not credit though, that's not my style.

I wasn't aware it was even legal to say no to cash in most countries. In what country do you live?

Australia. I didn't think it was legal to refuse legal tender either but it's being encouraged now and my little episode above is the result.