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The story
A poster believed to be a food delivery driver sparked debate on 5ch after claiming that “90% of customers who pay cash-on-delivery are idiots,” backing it up with specific reasons. The poster mocked the common customer excuse of “I pay cash because I don’t know how much I’ve spent,” prompting a wave of comments urging a shift to cashless payments. Others pushed back, arguing that card payments lead to overspending and that cash gives a more tangible sense of money for purchases over 10,000 yen (about $65) — highlighting a clash in values between cash loyalists and cashless advocates.
What people said
I work in delivery and deal with cash-on-delivery customers, and 90% of them are idiots.
Here are some actually idiotic customers I've run into doing food delivery
"Because I don't know how much I've spent, right?"
Seriously dumb
Cash-paying high school girls (JK) are especially bad about it
Once the bus stops, they stroll to the exit staring at their phone, then dig frantically through their bag for their wallet before paying
It's infuriating that they can't just get ready in advance
Best answer
Electronic payments don't really "end" right there the same way
Just use a prepaid top-up or debit card then
If you can't even get a credit card in the first place, you've got no credit standing
and get robbed blind digitally
You're not literally handing your card to the delivery driver, you know
Have you never used Uber?
What kind of backwater are you living in?
You don't even have a credit card, do you
Trash trying to eliminate the stability of cash, just making society more inconvenient
App: Taihou
2026/10/03 (Sat) 11:52:43.940
Cash-fanatics: "I overspend with cards" ← that's seriously dumb
No wait, this one's actually true
For purchases over 10,000 yen, paying cash really does give you more of a sense of what you've spent
No sense of having spent it, then you check your statement later and get shocked
You start wondering if it's fraud
Yeah, your sense of money gets all messed up
E-books are convenient, but sometimes I end up impulse-buying old manga I don't need and blowing money
Smartphones themselves are a breeding ground for crime
Their manufacture, sale, and possession should be banned
What are you even posting this from then, lol
I bet it's the inept gig workers who can't land enough orders who end up enabling cash payments
I seriously doubt someone who's broke can front their own cash for change, but they do it without thinking it through, and that's how trouble starts
Sure, at the kind of supermarket where the bottom-of-the-barrel crowd gathers
Background and Key Points of the Debate
Some delivery-proxy platforms let customers choose cash-on-delivery payment, which often means the delivery driver has to front the change themselves. The thread’s disagreement centered on whether cash payment itself is really the source of trouble — some argued the real issue isn’t the payment method but the lack of a system for confirming payment methods in advance, or poor communication with customers. Others pointed out that the feeling of “overspending with cards” may stem from the psychological restraint of physically handing over cash, suggesting that going cashless isn’t necessarily always the rational choice. It’s worth keeping in mind that the strong language in the thread reflects the frustration of delivery workers, and isn’t necessarily representative of cash-paying customers as a whole.
*This article is compiled and summarized from the 5ch (Hello! Project board) thread “90% of Cash-Paying Customers Are Idiots”.
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