There are skimmers for slot/swipe style readers and skimmers that are small enough that a waiter could conceal in their palm and swipe your data in person, with you watching, and you wouldn't even realize it. Those "pocket" skimmers are by far the most common, you can pick 'em up on eBay.

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(I do get money from the ATM, but that's only because there are about 5 Chase branches within 2 miles of my house, and another 2 within .5 miles of my office. They're practically everywhere.. I'm waiting for them to open a branch in my shitter so I can take care of 2 transactions at once).

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I always keep at least 40-100$ on me. I use debit and credit all the time but some places just don't accept them or it's way faster to pay with cash if you're going somewhere and they have old machines lineups etc. Plus restaurants you get your bill leave cash and walk out no going up to the front desk or waiting for servers to get back to you with the wireless debit. Not to mention the protection of not giving some stranger your card to swipe as they please. Oh and if you're with groups of people tossing your share in is far easier then trying to split a bill at the debit machine. Lots of bars now days don't let you pay with debit. They have those small cash machines that charge like $3 to take cash out. Annoying.

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PayPal, or similar, really are the best way to do that kind of business if you're on a college campus or have any client base with ready access to the internet. Never have to worry about getting your cash jacked and a layer of deniability with simple poss Vs. sales in some states.

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