>I don't have enough on me right now
Yeah I remember that situation. I accidentally left my card at home. I didn't have lunch that day and I barely managed to drive home with an almost empty fuel tank.
To me looking at the balance on my phone is far quicker than counting all the damn coins. 1 cent coins are such a huge annoyance that I'd rather throw them into the trash than actually pay with them.
It makes you MUCH more conscious of how much things cost because you don't want to get to the checkout and be short.