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In this chapter, we meet two semifictional characters: one conducts her life almost exclusively in noncash means of payment—credit and debit cards, direct deposit, and online payment services. The other lives an almost wholly cash-based life, along with other material stores of wealth and means of exchange. People’s money lives are diverse. Cashlessness, a vision promoted by many money innovators, may only be obtainable for the relatively well off. And the cultural and social traditions of payment run deep.

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