YY to everything Ryanoriley said. And to whoever said about the speed of cash. I can't imagine how slowly payments will go through if mobile pay becomes the norm and everyone has to start faffing with their phones to pay.
Oh hang on, there's no signal, it wants to sign into your wifi, my app has crashed, it's forgotten my account, I don't know my password, all in the time that five people could have handed cash over and walked away with their order.
As well as Visa, Mastercard, the banks or Paypal making billions out of electronic money, those of you who avoid small cash only businesses because you don't recognise the difficulties that cards can bring also make it harder for them to survive. And if they don't survive, what are we left with?
Chains only. Chains that (legally but almost certainly not morally) avoid tax, pay crappy wages, employ staff on zero hours contracts, stop at nothing in the pursuit of profits, care not one jot for the customer except for extracting more money out of them, offer inferior products that might appear cheaper, but are often not, certainly not for the quality.
People wax lyrical about the naice independent coffee shop, but when push comes to shove, they'd rather wave their card at Costa and take their bland corporate offering any day.