I have been mugged. I lost all the cash that was in the wallet. I phoned up my card company and they immediately cancelled the cards and replaced them within a couple days.
They typically charge the retailers a few %. That few % is also represented in the cash price as very few places these days have surcharges for credit card payments.
The vast majority of the world is dangerous. Please don't assume you are the rule, not the exception. There are half a million or more robberies every year in the USA.
Lot's of exaggerating claiming going on there in your posts. Then you position into some kind of analysis of what I'm assuming and finish with some kinda point totally lost way down five posts later in this argument. I'm guessing you like using cards. You go use them. I'm gonna use cash. I've been buying stuff at target all year and I didn't have to go cancel my credit card or worry about it having charges I had to dispute.
Cash cost me money, cards cost me nothing.