[Chrono]

While you have a point about carrying cash I just have an irrational dislike towards change. The damn coins are heavy, close to worthless much of the time and overall annoying.

And I have barely ever encountered a situation where the card machine is broken,at least not in recent years but it can of course happen.

'Removing' the CCV and magnetic stripe is actually a good idea - Wouldn't trust most (Swedish) places that don't use the chip to read the card data.