Exact payments, no making change. Jimmy paid for your lunch it was $12.35 after tip, he got back 12.35, no overpyament, no underpayment nothing owed or borrowed.

Nobody gets mugged because no one has any cash on them. ATMs have cameras, and phones are as good as dead once they’re stolen and reported.

You can collect a small amount to hold an item you’re selling online to make sure they’ll pick it up. Pay them without being there.