I are in possession of a credit/debit card from my bank and I personally use it for EVERYTHING, even amounts compared to $5 (though there are few men and women these days). Even in those cases, the web comes to my rescue with tips about how to make my self-assembled gift foods more interesting. https://groups.google.com/g/giftcard-mall-my-gift-info/c/lJb4jNQqwjY