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Band 7.5

Nowadays, plastic money replacements such as credit and debit cards are extremely popular, even more than banknotes and coin. Advantages and Disadvantages

In the modern era, various types of paying
cards
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 tend to completely substitute traditional
money
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 equivalents like banknotes, cheques and coins.
This
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 essay will outline feasible advantages like the reduction of thefts and other minor crimes connected with
money
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 and the conservation of forests,
as well as
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, pinpoint several demerits (high expenditures on banks` services and the disability to donate
money
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 to the homeless) of
this
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 phenomenon. One benefit of
plastic
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money
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 replacements is that they considerably dwindle the theft rates in any state.
In other words
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, thieves are not able to steal a decent sum of
money
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 from a resident without acknowledging certain combinations of numbers to exploit any credit or debit card.
Therefore
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,
this
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 type of
money
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 provides a human with the ability to secure his financial sources in public places.
Moreover
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,
such
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plastic
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 items do not require any paper to create them.
Consequently
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, the substitution of ordinary
money
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 for
cards
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 halts deforestation and preserves the environment. The prime example could be the prominent Russian bank “Tinkoff”, which serves only clients with “online”
money
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 in order to save an overwhelming amount of Russian forests.
On the other hand
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, there are notable downsides
of
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to
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 the aforementioned tendency.
Firstly
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, modern banks tend to take large commissions for the exploitation of their debit and credit
cards
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.
Following
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this
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, a human being wastes a huge sum of
money
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 on
this
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 activity, which has a detrimental effect on his budget.
Secondly
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,
people
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, who do not use ordinary variants of
money
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 like banknotes and coins, are not able to donate anything to deprived human beings.
People
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 in need are occasionally given coins in order to purchase some essentials like clothes and food.
Subsequently
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, the introduction of
plastic
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cards
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 and the reduction of coins` usage exert a negative influence on the lives of destitute
people
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.
For instance
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, Russian homeless
people
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 broke a habit of standing near churches and asking for
money
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 as they conceived that a typical person with
cards
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 could not give any means of likelihood to them.
To conclude
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, I insist that
plastic
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money
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 replacements orchestrate financial order and safety in any country and suspend deforestation in any region.
However
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,
such
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 means of
money
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 shrink residents` incomes and cause
a
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apply
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notable harm to underprivileged
people
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.

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Use a variety of complex and simple sentences

You should use complex sentences in your writing, but it does not mean that you should try to make all of our sentences complex.

‘Complex’ sentences are not actually very complex; they are just two or more simple sentences put together. Putting them together makes the essay more coherent and cohesive.

Examples:

I really want to study but I’m too tired.

I wore a warm coat because the weather was cold.

If action is not taken soon on climate change, global warming will get worse.

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