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Question 21: A. For instance, the "cashless effect" is often cited as a major benefit for those wanting to avoid physical contact B. However...
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Question 21:
A. For instance, the "cashless effect" is often cited as a major benefit for those wanting to avoid physical contact
B. However, research has identified the "cashless effect" – a psychological tendency to spend more freely
C. Consequently, the digital era has witnessed the rise of a certain "cashless effect" that promotes careful spending
D. Furthermore, financial experts have pointed to the "cashless effect" as a primary reason for better money management
