With the rapid rise of the Internet in China, mobile payment tools such as WeChat Pay and Alipay have become quite popular. Nowadays, except for some elderly people who still use cash to pay, there are very few people who use cash to pay. The main reason why people like to use mobile payment is that it is very convenient and fast. As a result, some people have proposed: in another 20 years, cash payment will withdraw from the stage of history, and mobile payment will fully occupy the settlement payment market.
However, in fact, cash payment will not disappear completely, including WeChat payment, Alipay and other mobile payments, and it is impossible to completely occupy the settlement payment market. On the contrary, people who have no cash at home should pay attention, and it is recommended that you prepare tens of thousands of yuan in cash at home, which can save a lot of unnecessary trouble, mainly for the following 4 reasons:
First, we can calmly respond to emergencies
In life, there will always be some unexpected things, and if you have some cash at home, you can deal with these problems calmly. Last year, floods and other disasters occurred in some provinces and cities in northern China, and residential areas in many cities were cut off from power and network, and mobile phone payment was paralyzed. As a result, the livelihood of local residents became a problem in a short period of time. If you have some cash at home, you can go to the small supermarket nearby to do some shopping, so that you can solve your urgent needs.
In addition, there are some people who don't like to carry cash when they go out, and always feel that as long as they have a smartphone, they can solve the problem. However, if you encounter a weak network signal, as well as a mobile phone that is out of battery, malfunctioning, in arrears, etc., and cannot use mobile payment tools for settlement and payment, if you have some cash on you, you can easily solve the current problem of not being able to settle and pay.
Second, people should use cash in their dealings
Although mobile payment has become more popular, some domestic sophisticated occasions also require the use of cash. In these occasions, cash has an irreplaceable role. For example, during the New Year's holidays, you want to send blessings to the children and elders in the family, but if you pay by transfer, you can't express this heart. At the same time, if you meet relatives and friends getting married, send a heavy red envelope, you can make people feel your attention and blessings to them, if it is a transfer payment, even if people get this electronic red envelope, they will not feel such an atmosphere.
Third, personal privacy and security should be protected
When you use mobile payment tools, what you buy online every month, order takeout a few times, are known to the payment platform, and your personal privacy is exposed. Therefore, residents of Western countries rarely use mobile payment tools, mainly because they pay more attention to the protection of personal privacy, and they all use cash and credit cards to settle payments. If you want to buy something and don't want the mobile payment platform to know about it, you can pay with cash. You must know that cash payment does not leave any trace, and the entire consumption situation is unknown to outsiders.
Fourth, mobile payments can't control consumer spending
Nowadays, many people like to use mobile payment tools to settle payments, but there are also many young people who report that although the use of mobile payment tools is convenient and fast, they cannot control consumer spending, and often the funds on the account are all used up within half a month of wages. And if you have some cash at home, you can take as much as you need, so that you can control your consumption demand. If you have spent too much in the past few days, then you can always break even by living frugally these days. Obviously, cash payments are still very useful in controlling household consumption expenditure.