From a business standpoint, cash is needed for small payments. Cash is something that can satisfy small expenditures conveniently and promptly. It represents a small amount of the money supply of both nations and businesses. At the same time, cash represents something that should be smaller representation of individual wealth. Ideally, cash should not be the bane of an individual's wealth portfolio. There should be larger and more economically vested interests than cash. It is needed, but is part of the larger configuration of wealth and diversification. Its exact role is being undermined by online and automated payment systems. As individuals are being more predisposed to using electronic bill paying mechanisms, cash is being further minimized. While its role will always be present, it is a smaller role as electronic forms of payment are being explored and actively embraced.