Doctor Achebe: In recent years, with the increasing prevalence of online payment methods, we've seen a significant decrease in the use of cash for everyday transactions. This shift has prompted a debate about whether it's a positive or negative development. So, let me pose this question to you: With the decrease in cash usage due to the rise of online payments, do you consider this trend to be positive or negative? Why or why not?
Paul: This is indeed a positive development because it offers tremendous convenience. We can complete transactions with just our smartphones, eliminating the need to carry a wallet full of cash and coins. This convenience not only streamlines our daily routines but also reduces the risk of theft or loss associated with physical cash.
Claire: This trend is negative because it disconnects us from our spending habits. When we use cash, we have a tangible sense of how much money we're spending, which helps us keep track of our expenses. With digital payments, it's easier to lose sight of our financial transactions, potentially leading to overspending and financial mismanagement.
I agree with Paul's perspective that the decrease in cash usage due to the rise of online payments is a positive development. （支持同学观点）In addition to the convenience factor, which Paul highlighted, it's worth noting that online payments often offer promotional discounts and rewards programs that can benefit consumers. Many digital payment platforms and apps provide cashback offers, loyalty points, or discounts when users make purchases. This incentivizes people to use digital payment methods, ultimately saving them money on everyday expenses.（给出理由）
While Claire raises a valid concern about the potential for digital payments to disconnect people from their spending habits, it's important to understand that responsible financial management usually depends on the individual's discipline and awareness.（让步转折同学观点） With the right mindset and tools, such as budgeting apps and account notifications, people can still maintain a clear understanding of their financial transactions even in a digital payment environment.（给出理由）