I always have an excess of cash. But that's not because I use it often. Instead, it's because I always use my credit card (paid in full every month, so no interest - it just accrues bonus points). However, all my friends want to use cash at lunches, so they pay that to me while I put everything on my credit card. So I end up having to clear the excess cash out of my wallet on occasion, just so I can fold the silly thing. I haven't had to withdraw cash from a bank or ATM for ... decades. I have no clue with my PIN is, of if my ATM card is still any good.