Try to give a random person $100. Can they accept credit cards? Unlikely. Do they have the random cash app installed you use? Maybe. Do they have a bank account? Depends on where you live, and it could take days, and you have to bring long numbers with you and input them into your banking app.
Give them $103, where they don’t have change and you don’t have singles. Give them $337, most people don’t carry around that much. I ran into this problem recently paying contractor. I could have gotten enough cash from safe but neither of us could likely have made the exact amount.
If you choose common app like Venmo or PayPal, they likely have that installed. It is annoying to do the dance about which app to use. But the transfer is done before can get more cash. With contractor I was glad they took Venmo instead of having to write check.
Try to give a random person $100. Can they accept credit cards? Unlikely. Do they have the random cash app installed you use? Maybe. Do they have a bank account? Depends on where you live, and it could take days, and you have to bring long numbers with you and input them into your banking app.
Or simply turn off the internet.