For the last 3 or 4 years I've used nothing a debit card to pay for everything.
The banks have played us for the fool. We've been helping Wall Street's "Big Brother" banks, the same ones that tanked the economy, shakedown local businesses by taking a part of their profits via outrageous debit transaction fees. The Democrats passed laws that brought those fees down, but now the GOP is trying to delay implementation of those laws.
It's best explained in the following American Family Voices video, that shows how shamelessly sold out the Republican Party is to Wall Street Banks.