Credit or debit cards for starters are nothing short of shoppers' Novocain. Even in the age of digital purchases and virtual money we still attach a special value to dirty paper with pictures of presidents on it. Handing some of that to a cashier simply hurts more than handing over a little sliver of plastic.
The instruction we find in books is like fire. We fetch it from our neighbours kindle it at home communicate it to others and it becomes the property of all.
