Yes they're on. They tend to be default on.

Getting offended is a you-problem that didn't afflict anyone born last century.

A picture of famous sketch character from last century. Never me.

UK.

Card. Have always used a credit card as much as possible to pay for everything since I was able to. That was Barclaycard in 1981 - £2 limit as I was underage. Back in the day Barclaycards were used as £50 cheque guarantee cards which they would issue to me as a minor, but they also served as credit cards for adults.

Cards are OPM and legislation protects us for purchases over £100 and I never carry a balance.

There is never any point in using a debit card to pay for anything. Reversing a transaction is a 'mare and you assume all the risk. Chase offer 1% cashback but I'd never use it (read:assume the risk) for anything where 1% would be worth having.

I tend to (over)spend cash if I have it, but cards I don't over-spend at all. I've never been able to work out why. Not broken so not fixed.

Almost exclusively Amex, but carry a MasterCard too for those occasional times where Amex isn't accepted locally or I'm in mainland Europe. Amex customer service is exceptional. My MasterCard bill is maybe two transactions a month; pennies.

The only place I pay physical cash is the barber. It's a pain in the arse.

Money laundering regulations here are now insane.

I'm an ex Windows fan. If you didn't use Windows 3.11 in a corporate environment to try to get some work done, you wouldn't and won't ever understand.

Quite a few tracks - does one say that anymore? - I am convinced are 1980s are actually 1990s. I'm Gen X so I should be getting that distinction right!

I like this retort! Much credit.

Hahaha. You've probably never heard of The USSR or any other country which has the word "democratic" in its title.

For those under-your-tongue moments.

[Tastefully avoiding any reference to prisoners' concealment.]

Laziness.

Oh the irony!

In other news, I'm taking a vow of silence and becoming a vegan.

needs more tax payers.