If it were up to me, I'd never touch another dollar bill for as long as I live. Cash is cumbersome, but in the worlds of Craigslist and manual labor, it's still the best way to pay someone for their goods. The problem? I'm 20 minutes from my closest ATM. Rather than shell out the $3 rival banks want for the pleasure of giving me access to my own money, I have a workaround.

Grocery stores, pharmacies, and big boxes all have two things in common: They offer no-penalty cash back, and they sell Hot Wheels. Most shops with a conscience sell the diecasts for less than a buck, while most grocery stores charge the ludicrous price of $1.50. That's still less than the transaction charge your bank nails you for. Dash in, grab whichever Hot Wheels you like, ask for $20 back, and you're out the door with a new toy and the money you need. Flawless victory.

Could you snap up a pack of gum instead? Sure, but I have every Hot Wheels I've ever purchased. I can't say the same for every stick of gum.

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