Hello

Suppose someone invented a gift card so versatile it could be used almost anywhere to buy almost anything.

This gift card would be good forever and would be accepted in many foreign countries. It would be available in multiple denominations and sold in multiple locations. You could bend it in half—or even leave it in the pocket of your trunks when you went for a swim—and it would still work fine.

Wait a minute. Somebody already invented that go-anywhere gift card. It's called cash.

Cash has huge advantages over gift cards. There's been a big flap over gift-card fees with Congress eventually stepping in to limit them. And a sizable chunk of gift-card value—estimates range between 5% and 10%—never gets fully redeemed. These aren't issues that come with cash.

READ more at: online.wsj.com/article/SB10001424052748703811604574530041007151468.html

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