[a3_nm]

I'm not in the valley, but I have the opposite policy: I systematically use cash unless it is not possible to do so. (It's better for privacy.)

[amalcon]

I have your policy, but for a different reason: I generally don't want the merchant to be charged a fee for the transaction.

[wuest]

Totally valid reason. I use cards for the sake of ease of tracking and protections offered by cards. I wish there were an optimal situation wherein you had privacy and protection both.