I recently sold a pig, bought some poultry, paid for bales of straw and paid for our hedges to be cut, on the same day, using cash. I don't carry a swipe reader around with me and neither do our farming neighbours or contractors. Our bank branch closed in January and I was informed I should use my nearest branch, which is 14 miles away. I bet whoever decided that, in an air conditioned office in a city somewhere, doesn't have a 28-mile round trip in all weathers (and sometimes not possible because of the weather) to get cash.