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I haven't paid myself wages in 20 years, sure its for tax reasons and that I'm an ex gambler but reality is I don't use cash, wife's just been in NZ for 2 weeks, left 20 dollars for me its still in my wallet a week after her return. In NZ especially credit cards aren't used but debit cards off your bank account for everything.
The HUGE difference is American service industry revolves around tipping, and a tip that's traceable via bank transaction, is not a great tip at all, still nice ;) just not as good as cash.
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