Same here. I treat these debbies as disposables. I have no attachments to them. If I lose cash because of fraud, etc., it'll be cheap change. Akin to losing a bill or 2 IRL. There's a reason the credit card industry is spending lots and lots on promos, rebates and other gimmicks. Makes you think. You can take advantage of those. But, man, I don't want to live a life having to keep track of these things. I just want to buy what I want/need, at the right price, at the right time. But back on topic, now that I think about it I think we're very close to being cashless. I just sent a prepaid load to my mom using an app on my phone. Before, I had to go to a sari-sari store. Yesterday, I just bought an add-on to my flight. When I go home tomorrow, I'll be using Grab which is tied to my debit card. Also, they now have their own payments platform which i think is going to be huge in 2 yrs time. They now have Angkas, Grab Delivery and Eats. The more they insert themselves into our lives the more we'll want to use their payments platform. Lazada, which I frequent more than I should, also has their own payments platform. If they become the Amazon of SE Asia, no one needs to go to supermarkets anymore and bring cash. Someone here who said that there just needs to be 1 (or 2) main player to gain mass adoption is right. My money (literally and figuratively) is on Grab and Gcash.