Mutt.
That's nice but how do you rent a car? .... or pay for a taxi or bus, or buy a meal where YOU want to eat, or get a Coke from the food simulator, or buy a coffee, or get your shoes shined, etc?
I would think any sort of travel, for work or otherwise, requires a credit card and some amount of cash to get through the day?
I do see that with your structure why tipping can be a burden for you and your colleagues.