[mojowo11]

Let's take a specific example, then. Last week I ordered ~$140 worth of pizza for a party at our office. I paid with my credit card on the website of the pizza joint. Everyone owed about $12-13 in the end (yeah I know, it's an expensive local pizza chain).

Getting paid back with cash would've been a nightmare. Instead I opened Venmo, put in $150, entered the names of my colleagues who were partaking, and hit request. Venmo did the math and requested each person's portion with a push notification. They each confirmed, and I was paid back in full in a few minutes, without even needing to talk directly to most of the people involved.

There are so many situations like this. "But you could do it another more inconvenient way instead" or "you could continue to deal with recouping for hours afterward" aren't especially compelling arguments once you've had the convenience.