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I agree. From what i’ve seen, people use debit/credit cards / their phone, so the rounding doesn’t even occur.


That might be true for middle & upper class, in a developed country.

Not everyone though is that fortunate.


~90% of payments in China use a phone: https://daxueconsulting.com/payment-methods-in-china/

~50% in India: https://www.pymnts.com/mobile-wallets/2023/cash-not-king-in-...

~60% in Brazil: https://www.pymnts.com/mobile/2025/payment-glitches-stall-br...

Similar trends in Africa, though exact numbers were harder to find: https://www.finextra.com/blogposting/27913/africa-the-unlike...


Thanks for confirming that less than 100% = “not everyone”.




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