Did you have change to buy a Remembrance Day poppy?

In recent years, the way we pay for things has seen a deluge of change — just not the spare kind.

Take the Royal Canadian Legion’s poppy campaign, ahead of Remembrance Day on Nov. 12. For years, when you saw uniformed veterans or cadets standing outside a grocery store or subway station, you’d reach into your pocket or wallet, pull out a few coins or bills, and drop them into the white box in exchange for a red poppy to pin to your lapel. (To be repeated a few days later when you inevitably lose the first one.)

Now, however, you might have a different experience: Frustration that as much as you’d like to contribute to this worthy cause, you haven’t carried physical money since … actually, it’s hard to remember when. You avoid eye contact with the seller, make a mental note to get som