People who don’t carry their bank cards with them

No, of course not; you're absolutely right.

...and useful, simple and convenient for the rest of us.

This bit wasn't a statistic.

'The rest of us', by its nature, refers to everybody who wasn't previously referred to as being somebody without a bank account ('them'). Cash isn't necessarily convenient for everybody in the 'us' umbrella.

Apologies for the error; that is, however, my point. People can't function without a bank account unless cash use continues..

Oh, sweetheart; it's a statistic, therefore a generalisation. I wasn't 'speaking for you'.

I fact checked this and it’s actually £1.2m adults without bank accounts. Which is higher than I expected but is declining each year. i don’t know how it’s possible to function without a bank account.

Don't speak for me, i dont find cash more convenient

I worked a bit in a café uses by lots of cyclists who didn't carry any more than they absolutely needed. Lots used Apple pay because they all carried a phone.

I think that's it, their lives are quite routine and low risk and the consequences of not having means to pay will be limited.

I'm in emergency planning and also have hobbies where if it goes wrong, you die.

Therefore its second nature to me to never rely on a single point of failure and always to have a back up.

I’m mind blown 🤯

I’ve only ever used my phone to pay for something in a physical shop once via Apple Pay (I think it was in Costa) and it felt so weird.

Yes, it can. OP was talking about what happened when they were at Sainsbury’s when contactless was down and chip and pin was taking awhile to go through.

Yet, I would guess most people if they didn’t have time to wait, would have left regardless if they had their phone or their card if the chip and pin was taking too long for them.

My bank card declined when trying to buy a ticket for the bus yesterday so I used my Apple Wallet, paying with the same bank card and it worked.

Oh, you think you’re so important that someone is actually sat listening to your conversations 🫢 haha! Ookkkk…. I’ll leave you a pack of tinfoil to make your hat with 😉

And no, I didn’t. I’ve already clarified what I meant by that.

Cards on your phone with Apple wallet are exactly the same as using the card. They have the same NFC chip in them.

I pay with my watch these days and it’s a total game changer as I don’t even need to get my phone out of my pocket (and then risk sitting it down and forgetting it which has happened). Times change and bank cards are old fashioned, for one of my bank accounts my card is totally virtual, no actual card exists.

I’m staggered at all the people who seem to think that encountering any of the things I mentioned is extreme. Do some people never go beyond the end of their road?

I’m probably being a total idiot here, but can contactless be used with you phone via Apple Wallet?

I always take my bank card out and use contactless payments by scanning my card.

I don’t carry my bank card. I rarely use a bag when I go out and I tend to just stick my phone in my pocket. I don’t want to risk a loose bank card falling out of my pocket. I usually have change in my car if needs be or I look at my DP and he has to pull out his card.

do you work in an A and E department?

You don't know who I am so don't know who would care where I am or what I talk about and you answered yourself in the second paragraph.

Indeed yes; I'm aware of such organisations and the schemes they run.
Good to know your local one runs on Thursdays.
Most groceries, however, are bought from large supermarket chains, and they make larger profits from contactless payments.

I actually said "organisations and businesses".

And yes, people do buy groceries from charities, such as co-operatives that run village shops, and some charities running food banks also have days when they have a fixed charge of a few pounds for "fill a box" or "fill a bag" open to everyone for disposing of out of date/short dated food items from local shops & supermarkets. We have such a food bank locally which is very popular for anyone every Thursday which is their "fill a bag for a fiver" day for which they only accept card payments as they have no facilities for handling, storing nor banking cash! Those with foodbank vouchers obviously don't pay anything.

You stated it was lower costs for businesses; I responded to that point.
The thread is in response to Sainsbury not being able to take payments.
People don't buy their groceries from charities.

Less cost actually, as more and more "non business" organisations such as charities, voluntary groups, etc., are going cashless to avoid the costs, and they're non profit making!

I was making the case for customers, not the businesses.
I know why they prefer it; more profit, obviously.

It's not convenient for organisations and businesses who have to pay staff to count/record/bank the cash, pay additional insurance premiums and other enhanced security costs, pay bank charges for paying in the cash to the bank, cover the losses of counterfeit, lost or stolen cash, etc.