The bank takes the cut anyway, it is by and large offloaded to the vendors. The bank takes a nominal “service fee” that I generally “get back” many times over in creditcard cashbacks etc, plus it ensures my purchase. Hard to actually see the benefit of using cash only.

I dont care about the jack, the lightning-3.5 for 10bucks is more than a-ok, that said fuck bluetooth headphones, apart from the “smart” features, sub 50$ cans can and will blow the audio quality out of the water for many of the “entry level” (quotes cause entry is still approaching 100 bucks) BT ones and when you match price it is no-contest.

That said BT cans are still fine but after dabbling with hi-fi I can’t go back to BT.

No affordable way around it? If you are approaching BT headphone cost, your headphones or buds will almost definitely come with a detacheable wire.

Personally my on the go is PortaPro, they dont have detacheable cable, the wire is flimsy but are only 30 bucks and the repair on them is actually super easy, the part where the wires solder on is actually easily accessible.