I was chatting with my uncle in Cleveland last month, he runs a small food cart and told me he lost $180 in a month just on card processing fees and chargebacks. I always thought digital money was the future, but he showed me his ledger and said, "The bank knows exactly what I eat for lunch, who controls that?" It hit different because he's not some tech hater, he just wants to keep the 3% he earns. Has anyone else had a small business owner change their mind about going cash-free?