I'm very similar. I have to pay cash for my haircut and on the odd occasion I use a local hand car wash. I keep £20 in my wallet and £20 in my saddlebag for emergencies. My buddies and I make a point of carrying some coins so we can tip in cafes.
I’ve got an emergency £20 note in both my saddlebag and my motorcycle tail pack, in fact they’ve been there so long they’re probably no longer legal tender!