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Ultimately, though, it is we who pay for this — as well as all the air miles and other ‘goodies’ which are offered as accessories for the privilege of having such cards, because retailers inevitably pass the cost on to us in higher prices.

In some cases, we no longer have an option to pay in cash.

If I am buying a week’s grocery shopping, or I am buying an airline ticket over the internet, true, I am quite happy to pay using my debit card, because it is by far the most efficient way of making the transaction.

They contain a tiny radio receiver which — when waved within a couple of inches of a ticket machine or terminal at a shop checkout — can be used to make a payment instead of the buyer having to tap in a PIN number. While most current account holders don’t pay a fee whenever they buy something with a debit card, retailers are paying for the service.