It doesnt help people like my 95 year old grandmother. She has full capacity but prefers cash. If she decides to treat us all to a meal out (and trust me, if she decides something that's it), she prefers to sit and count the cash to pay the bill. Mum and I are her attorneys and we can use her card. She can't remember her number. We prefer for her to count the cash and retain her independence and autonomy rather than one of us type in her number for her. That is her choice.