If as the summary says, cash and cards are infinitely more convenient, why then is clinging to them to be considered stubborn?

Neo maxi zum dweebie.

World 1 - The police have no right to detain you and CANNOT compel you to answer:
"I'm not answering these questions, and I'm leaving."

World 2 - The police have no right to detain you but they CAN compel your answers:
"Did you kill your stepmother", "In elaborate detail, what did you have for breakfast?", "Do you like my shoes?", "Here's Ulysses, read it and tell me what you think", "Here's a hammer, show us that you didn't hide your stepmother's head at the center of this enormous boulder?", and on and on for decades.

Forty-Two years later:
"Did you kill your stepmother?"
"Sure, whatever you want to hear, Man."

"That's right, sir, you are the only person authorized to do so. And although I, uh, hate to judge before all the facts are in, it's beginning to look like, uh, General Ripper exceeded his authority." - General Turgidson to President Muffley

Also low twenties on VTL, just can't bring myself to click that 20-40 option.

To the average citizen, so would actual handwriting.

Apollo was awesome, colony less so. If not all, please send the Newt fans at least. Sorry, Santorum lickers first, then Newt fans.

It's a shame that Canada doesn't have a party that is simultaneously Progressive and Conservative. Card in my wallet says such a thing existed once upon a time.

Unless they meant, "Aside from Government". Really its inclusion would make all other choices meaningless.

To spare some the RTFA, In the USA, NIH = National Institutes of Health