It’s not just checks that people are less reliant upon; they’re also carrying less cash. About 76% of Americans carry $50 in cash or less, and 9% of Americans carry no cash at all. A 2017 CNBC article suggested that this statistic was even higher, with 80 percent percent of people carrying less $50 and nearly half with less than $20 on them at any moment. It would seem that if your church is dependent upon passing the offering plate, your giving will be considerably lower than it should be.