You have a preview view of this article while we are checking your access. When we have confirmed access, the full article content will load. For those who have smartphones, credit cards and bank accounts, a cashless world makes life faster and easier — less time counting exact change at the checkout counter; no need to stuff crumpled-up bills in pants pockets. With the rise of tap-to-pay and digital payment apps, many people now carry less cash, especially more affluent Americans.