I already mentioned this in the following if you read the rest:
> In the case of a stolen wallet with cash, what I lose is what I withdrew. There's a very simple and hard ceiling to the loss.
I was responding to the very narrow use-case of already being at the register and starting to pay, in order to keep the objections relevant.
As you widen the scope to all the negative possibilities and edge-cases, credit cards and electronic payment has more negatives; and I say this as someone who almost exclusively does transactions with credit cards because it's indeed convenient 99% of the time.
But that 1% is what can get a person in real trouble, if they find themselves cashless.
First off, not having exact change is the typical scenario, not an outlier.
Second, there are much worse cases. Getting mugged outside the store, for one. The store not being able to make change, for another.
Regardless, the scenarios described by parent were the typical, most common scenarios.