It's become pointless to carry cash now that plastic is accepted pretty much everywhere. It's safer and it's more convenient; however, the downside is that it's also much easier to swipe a hunk of plastic than to part with real bills, which means consumer debt has soared ever since money transformed into electronic signals. Over the past 10 years, even when accounting for the recent recession, personal bankruptcy in the U.S. and Europe has skyrocketed, almost exclusively because of our cultural reliance on credit.
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The good news is that you'll have a long life in which to pay off that debt.
But there's a silver lining. As debt shoots up across the U.S. and Europe, several infectious diseases have all but disappeared with almost no help from the medical community. Paper money is filthy. The cotton/linen combination that makes up most currency is a breeding ground for microbes, some of which cause very serious diseases, so until recently, we've all inadvertently been participating in biological warfare with one another every time we make a transaction. Then plastic changed everything. Because you only use your own card and because bacteria have a harder time setting up shop on a plastic surface, infectious diseases that used to be ubiquitous have vanished over the last decade, with researchers attributing the decline exclusively to our change in currency habits.
Some businesses have stopped to take notice of this discovery, doing away with paper money altogether. Flight attendants, for example, won't even acknowledge bills as real currency because they know that traveling in a commercial airplane is more dangerous for your immune system than licking the vents in a hospital -- they don't need the added threat of catching pinkeye from your crumpled five-dollar bill. So while all your payments pile up as you start to drown in a sea of debt, the good news is that you're single-handedly preventing the spread of disease. Your impulsive spending habits have actually turned you into a hero.