Dealing in cash is an excellent choice. Not only do you avoid getting screwed by banks, you experience the gut-churning visceral reaction of handing over a Benji - something you just don't get with a credit card swipe. So it's a financial and psychological win. That's why Dave Ramsey advocates for it (plenty to critique about the guy, but he nails that part).

The stupidity comes from the wretched check cashing agencies (aka liquor stores). Pay us for access to your money, minus 3% for our trouble. What a racket!