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When your going somewhere like McDonalds or any other prime bum gathering ground and you only bring a credit/ debit card instead of cash. This leads to a very simple "no i don't have any money on me" or "i only brought plastic" response when pestered for change by bums. Its a quick simple way to relieve yourself of the guilt incurred by making other dumb excuses as to why you won't give a bum money.
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