TOEFL TPO -1 Academic Discussion Writing Sample: Doctor Achebe: In recent years, with the increasing prevalence of online payment m ethods, we've seen a significant decrease in the use of cash for everyday transactions. This shift has prompted a debate about whether it's a positive or negative development. So, let me pose this question to you: With the decrease in cash usage due to the rise of online payments, do you consider this trend to be positive or negative? Why or why not? Paul: This is indeed a positive development because it offers tremendous convenience. We can complete transactions with just our smartphones, eliminating the need to carry a wallet full of cash and coins. This convenience not only streamlines our daily routines but also reduces the risk of theft or loss associated with physical cash. Claire: This trend is negative because it disconnects us from our spending habits. When we use cash, we have a tangible sense of how much money we're spending, which helps us keep track of our expenses. With digital payments, it's easier to lose sight of our financial transactions, potentially leading to overspending and financial mismanagement. • LingoLeap