No, you are right.

They slow down a lot of things. Especially the seemingly calculus quiz the card readers give the users when they swipe their cards. I'm guilty of using the debit card when I shouldn't but it's simply because my local bank was bought by TD Bank and now there are hardly any ATMs for me to get cash. My money is deposited electronically and it's hard for me to get by a bank to get cash but I try to keep a hundred or so on me at most times but confess buying a 2.00 breakfast wrap with a debit card. I have about 30.00 in my pocket right now and if I were to go out tonight I'd probably use the debit card to avoid tapping down below that threshold.