The last time I was in Malawi, the incidence of people wetting themselves in bank queues was front-page news. I'm not even joking.
We finally had to pay cash at the weekend, typical grumpy pub landlord uttered 'it's not worth it' for two lime and sodas (£2) but generally, he seemed of the mind that customers were an unnecessary burden on his business (still £2 for about 10p worth of ingredients and thirty seconds of his time, I expect he makes less selling two pints of beer).