There is a Walgreens about every 10,000 feet where I live. Each one of them has prepaid credit cards in the impulse buy racks[1] by the checkout. Anyone can convert their physical dollars into credit card dollars.

Would you like the remains of your shattered argument in a bag or may I dispose of them for you?[2]

[1] And pregnancy tests. Who impulse buys a pregnancy test?

[2] Ok, that was uncalled for, but its hot and I'm not feeling civil right now, and you started it with the all caps.