Re: A word of warning
Actually, it starts at a more basic level- the supermarket checkout.
There are some people ( I use the word loosely) who will stand in line, watch all their goods being scanned through, pack it all into bags and only then will they start to fish through their pockets/handbag to find their wallet/purse. The idea of having the cash or card ready and accessible just doesn't occur to them.
(They are probably the same ones who go to fill-up and won't use the "Pay-at-pump", but insist on leaving their car while they trudge inside to use the clone-me counter.)