It may not be that people have poor time management. It may be that they spend 40 to 60 hours a week at work and in traffic and running errands and they don't like shopping and they rather get home and relax, enjoy time with the family, etc. than wait in line any longer than is necessary. I'm not just in a hurry for myself, but also to show courtesy for others who may be waiting for me. I'm not bothered if I have to wait an extra 30 seconds or whatever. By the time I get back to the car I have already forgotten about it. All kinds of time to relax at home. If someone is so bothered that I decide not to use a check card, that guy needs to get over himself. Yeah, why keep track of your purchases by hand if your bank already does it for you? It just seems like a huge waste of time to me, unless there is some other reason for it I'm missing. I keep track at home so I can enter it in my spreadsheet, track my cash flow and plan for future savings/expenditures. Couldn't you just take the receipt and record it when you get home? If I stick it in my pocket, I may misplace it when I get home or forget altogether. If you are on this website you are more than capable of checking your balance online. Yeah, I'm capable, but a big pain to look it up when I can grab my register and flip it open in a sec.