Completely agree but more and more places are refusing cash. Just spent a week in Amsterdam and several places were card-only, and I've noticed that my nearby "card or cash" parking fee machines have had the cash function broken for ages..
Not only that, but a whole load of the services in Amsterdam will only accept Dutch debit cards. Which is just great when you've got a Spanish credit card (that you've used all over the world, just not in Amsterdam...)
Yeah that was really annoying with an Irish credit and debit card in Albert Heijn (and elsewhere) - though at least there I could usually find some way to give them money.