Hard to understand but the example of a teacher with 3 kids and working only 4 days a week is understandable. Anyone who is on their own with children would certainly be having problems making ends meet.
Yes I like cards for big purchases and for food in large supermarkets so that you know where your money is going but if I am told there is a fee for using it I will happily use cash. also if buying something under $10 I pay cash