>The reality is, supermajority (including me) of people prefer not using cash. Especially up here in the North.

Unfortunately, in my experience, I'd have to agree with you on that. But it also brings to mind a relevant Samuel Adams quote:

“If ye love wealth better than liberty, the tranquility of servitude better than the animating contest of freedom, go home from us in peace. We ask not your counsels or arms. Crouch down and lick the hands which feed you. May your chains set lightly upon you, and may posterity forget that ye were our countrymen.”