I didn't even know stores without card terminals existed anymore. Well, I knew they do in other countries, but in Norway, many street vendor booths even have them, using the cell network for verifications. If it's a store in an actual building, you'd practically be losing every other potential customer by not having one.

Unless I have a very special reason to, I never carry more than 10 bucks in my wallet. I'm not charged for using my card anyway, so I use it for absolutely everything, even as little as a single pack of chewing gum. I can withdraw like 100 bucks at any normal store anyway without them getting pissy about it, and ATMs are usually not very far apart if I need more. I really enjoy not having to worry about losing more than the cost of my wallet if I lose it.

Whenever I hear stories about people losing or finding sums of money in the 100-1000 dollar range, all I can think is "why on earth would you carry that in your wallet?" If it's a really large sum, I don't wonder though, because then it's usually for shady purposes, to do things under the radar, or straight up stolen money. Not that staying under the radar or doing sensitive things is something I consider bad by default, but for normal use, I don't get why people wouldn't just use a card. It's a bit too tinfoilhat to worry that your bank can see which store you bought food at. They can't see what you bought anyway. I know it might seem a bit naive to "trust" that the banks aren't sharing this info with anyone but the police (and whatever other police-like governmental instances), but I do believe they don't think it's worth the risk, considering how much trouble they could get in if they were busted.