A 'cashless society' is one where people use debit/credit cards and other forms of payment instead of cash. Do the advantages of a cashless society outweigh the disadvantages?

Money is any item or medium of exchange that symbolizes value. It is accepted by
people
for the
payment
of goods and services,
as well as
the repayment of loans. Day by day, more and more settlement
methods
appear to meet the demands of consumers. Nowadays, purchasers prefer to use debit/credit cards and other forms of
payment
instead
of
cash
. From my perspective, we still have many situations when physical
payment
is more beneficial than the others. On the one hand, there are frequent disadvantages to a “cashless society”.
First,
to join it, you need to access a bank account which is not affordable for all persons, particularly the poor . Old
people
may be uncomfortable with technology and less able to switch from physical currency.
Second,
you give your information and privacy when paying too, hackers can steal all of it and get you in trouble.
Third,
even small technological problems make all purchases and payments impossible.
For instance
, I used to have to wait for a long time at the restaurant since the
payment
machine was broken.
Finally
, several stores now only accept
cash
, so you may buy nothing if you don’t carry any money.
On the other hand
,
cash
payment
is more useful than what
people
usually think it is. Unlike other
methods
, it is widely accepted. We can buy almost every item in physical currency without getting any issues, especially at the market where money is the easiest way to pay for something. Some
payment
methods
like using credit or debit cards, usually come with transaction fees. But
cash
typically doesn’t.
Moreover
,
cash
is independent of a machine or internet connection.
This
helps individuals in some cases where technology devices for
payment
are unavailable. In conclusion, I'm sure that there are many situations when
cash
is more useful than other
methods
.
People
should use it more often to avoid the drawbacks of other forms of
payment
.
Submitted by ieltswritingpracticedl on

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  • Can’t speak smoothly without pauses.
  • Use simple words and lack vocabulary.
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Topic Vocabulary:
  • cashless society
  • digital payments
  • financial inclusion
  • technological infrastructure
  • transactions
  • privacy concerns
  • financial management
  • system failures
  • cyber-attacks
  • convenience
  • electronic payments
  • budgeting
  • financial information
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