These girls will stand out there freezing, while inhaling all that secondhand smoke.
With all due respect... I have to call bullshit on that. Unless the girls are standing directly next to (within 1 meter of) the smokers, there's little to no chance they will inhale second-hand smoke in those temps.
Personally, I'd rather pay by cash only as to me it's more visible numbers of what I have available to me at the time. I think too many get hung up in the CC balance debacle and have to dig their ways out.
That's all well and good unless you're often in sketchy parts of so-called civilization. I carry 2 wallets, one with old CCs and expired licenses with prior addresses along with $28 cash which I'll gladly surrender. My other is in an aluminum case hidden somewhere depending on what I'm wearing with all my current debit and CCs. That way I always have some emergency cash, if necessary, and enough to appease a crackhead for their fix and a couple 40 ouncers if I'm being mugged.