"The morning I finally decided to give up using cash, the whole world changed. It was the same day news broke about the banks' misbehaviour in the sub-prime mortgage market, so when I began telling people of my plans, they assumed it was in preparation for some sort of apocalyptic financial meltdown. However, having long viewed credit as a debit against future generations, I was infinitely more worried about what George Monbiot called the "nature crunch". Nature, unfortunately, doesn't do bailouts"