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The Post-Cash Futurist
He's an early adapter. He had the first cell phone you ever saw—so what if it was the size of a baguette. He was on Friendster when you weren't sure what the Internet was. So of course your futuristic friend lives in a post-cash society and pays for everything with one of those nifty apps on his smarter-than-you-phone. But even though it's possible to buy a 99-cent ChapStick with a credit card, there are still places that take only cash, and you somehow always end up there, with him. He'll pay you back, just as soon as he gets some cash. Which will be never. You don't have to be the enabler with the wallet full of old-timey paper money. Just offer to walk with him to the nearest ATM.