[PythonicAlpha]

I (as others) think, that the stability reason is bogus. The things that where mentioned, happened 100 years ago. To long for most Germans to remember.

Maybe we are just more traditional thinking, than others.

Some good alternative reasons where given here.

In my experience, the cash workflow is faster in most situations than our CC workflow (maybe in other countries it is the opposite).

I want to give another reason, that is one of mine:

With money in my pocket, I have my expenses under better control. When the money is out before the month ends, I immediately see it.

With CC, it is not so.

And as we Germans are so economical, many of us like to have control over our expenses.

I also think, that there is a good evidence, that it actually works.