You swipe, type and sign your way into purchases on a daily basis. 

   More people are choosing debit cards as their primary form of payment, and the reason why is simple.    

    Kevin Richardson, a debit card user says it's important to have his debit card on hand, because of the convenience factor.  

    Though having that convenience has meant parts of the U-S economy have taken a hit.

    Because debit card use has become so popular, the United States Postal Service is crumbling, as less americans are using the agency to pay their bills.

    Professor Charles Hiatt says americans run the economy.

    Hiatt has taught business at the College of Central Florida in Ocala for the past 19 years. He says there is an emotional attachment to carrying cold hard cash, but that's not the case when it comes to plastic, you just hand it over and they run it.

    You may not feel much when you swipe your card, but if you aren't keeping an account of your spending, overdraft fees could have your emotions running on high.

    Hiatt says that you have to be a very good book keeper because the money is coming out of your checking account.

    The days of keeping cash on hand could become obsolete in the distant future, but until then, it might be best to carry around both forms of payment, in case you get in a bind.

    Richardson says he prefers to have a little cash in his pocket, but he also likes the convenience of using his debit card. He feels like one of the people that's split down the middle.