Hi guys so the best way to explain the situation is as follows:
You have 20 dollars. You need 2 dollars to buy breakfast. The merchant doesn't have 18 dollars to give you. The merchant has plenty of money, but it's all in 10 dollar bills and 20 dollar bills. It's extremely difficult to find 5 1 USD bills and 3 5 USD bills where you live.
This may sound ridiculous but it is a reality that some people live with in, for example, Kazakhstan: https://youtu.be/3Ip5MvDMgcQ?t=817 - this English dude ordered some fried chicken for delivery and explains the difficulty involved with getting change for the delivery driver.
And then there are, of course, those in-betweeners. People who don't have 20 USD to spare to open and maintain a bank account with a minimum balance of 20 bucks.
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