I've started using cash more and more. It's clean, it's easy, it means a local business get to keep all of their money rather than the banks taking a 3% slice of absolutely everything, and it means cash stays on the radar.
When the banks take a 3% cut of every transaction it doesn't take very many transactions before the banks own more of the proceeds than the businesses that are selling real useful things. If you use a $20 bill it's worth $20 however many times it changes hands. And it stops the government from having any access to exactly what is traded and when.