Tbh, I still use a lot of physical currency. At times credit cards can be a wise layer of protection (eg added insurance for rental cars) but credit card points are in many ways a shipcoin that I don’t want to get sucked into. nostr:note1fjgal0xc7q0gjg84m44px93kf3vrplpunxw3u7vl96f9x7pxxwysufale9