[hylaride]

As a Canadian (where most people use debit/credit) my first time in Germany as a tourist I once had to leave my passport as collateral at a restaurant to go find an ATM to pay for our meal as I didn't have €80ish in cash. It flummoxed me almost as much as seeing Germans eat a hamburger with a knife and fork! ;-)

When asking around I got several answers. Everything from a cultural aversion to debt (and spending via cash makes it easier to track your spending), not wanting to be tracked where you shop due to not wanting the government to know (comes from Nazi/East German past), and just being culturally conservative and not really liking change all that much.

I didn't like it as being a tourist meant I was eating out a lot, etc. I had to carry a lot of cash around that I'd only have to pay a fee to convert back if I had any left.