完整版范文
    Question

    Your professor is teaching a class on sociology. Write a post responding to the professor’s question.
    In your response, you should do the following.
    - Express and support your opinion.
    - Make a contribution to the discussion in your own words.
    An effective response will contain at least 100 words.

    Doctor Diaz
    We are discussing recent trends in consumer behavior. One trend is a decrease in the use of cash money. Consumers don’t use physical money to pay for things as much as they used to. Online shopping has a big impact on this. But even when shopping in person, more people are using credit cards, cash cards, and phone apps to make purchases. So do you think the decrease in using cash is positive or negative? Why?

    Andrew
    I think it’s great. I avoid using physical money. The main reason is that I don’t want to carry around a wallet stuffed with paper bills and coins. I carry my mobile phone with me anyway, so why carry two things when I only need one? Using my phone to pay for things in the store is a huge convenience.

    Claire
    I think it's negative. It’s easier to keep track of your spending when you use cash. When paying with cards or phone apps, it’s easy to ignore how much you spend and go over your budge. But with physical money, you are more aware of your spending, and if you run out of cash, you can't spend any more!

    范文正文

    I believe the decline in cash usage is generally a positive trend, primarily due to its inconvenience. On one hand, a slim wallet containing cards is much easier to carry in a bag than a bulky wallet filled with cash, which also helps prevent theft. On the other hand, the rise of digital payments significantly reduces the time spent making change. It was once common to see many cash customers waiting in line to pay their bills at supermarkets, but this is rarely observed now with the advent of contactless payments. Although Claire mentioned the challenges people may face when tracking their spending with digital payments, this is not a significant issue. Individuals can easily monitor their finances by reviewing their digital receipts and banking apps on their mobile phones. Therefore, the decrease in the use of physical currency is, overall, a positive tendency.

    写作思路和特色

    本题是2025年1月8日的托福学术讨论真题。题目中，教授指出，近期有一个消费者行为趋势是现金使用减少。他问两位学生，这个趋势是积极还是消极的。Andrew认为这是一个好现象，因为他不喜欢随身带着装满纸币和硬币的钱包，他更喜欢用手机支付，因为更方便。而Claire觉得现金使用减少是一个负面的现象。使用实体货币会让人们更清楚自己的消费情况，了解自己的开销。而使用银行卡或手机应用付款时，很容易忽略自己到底花了多少钱，从而超出预算。
    这篇作文认同Andrew的观点。文章采用“总论点+解释1+解释2+让步反驳+总结”的结构。文章首先提出，现金使用量的减少总体上是一种积极的趋势，这主要是由于使用现金不方便。接着，文章提出了两方面的理由。一方面，只装有几张银行卡的薄钱包比一个塞满现金的大钱包更容易放在包里，这也有助于防止失窃。另一方面，数字支付的兴起显著减少了找零所需的时间。过去，在超市里经常能看到许多顾客排队付账的场景，但现在随着非接触式支付的普及，这种情况已经很少见了。文章进而回应了Claire的观点，指出虽然使用数字支付可能会让人们很难注意到自己的资金状况，但这并不是一个严重的问题。人们还是可以通过查看手机上的电子版收据或手机银行轻松地监控自己的财务状况。因此，实体货币的减少从整体上看是一种积极的趋势。
    本文通过分别回应两个学生的立场，论述了使用现金的缺陷和使用数字支付的好处。通过学习这篇文章，考生可以了解与“现金支付”和“数字支付”相关的同义替换表达，对备考相关题目有所启发。

    用词用语整理

    slim adj. 苗条的，非常小的
    bulky adj. 庞大而占地方的
    例句：
    Early mobile phones were bulky and expensive.
    早期的手机又笨重又昂贵。
    bulky equipment
    庞大的设备
    digital payment n. 数字支付
    making change n. 找零
    advent n. （事件、发明或人物的）出现，来临，到来
    contactless payment n. 非接触式支付（例如使用银行卡、信用卡、手机支付等）
    monitor v. 监视，跟踪调查
    receipt n. 收据
    banking app n. 手机银行
    physical currency n. 实体货币
    I believe the decline in cash usage is generally a positive trend, primarily due to its inconvenience.
    这句话的前半句提出了总论点，即使用现金支付的减少是一个积极的趋势，接下来没有另起一句话，而是用介词短语due to引出了原因，即现金支付不方便。这使句式更简洁，论述重点更突出。
    It was once common to see many cash customers waiting in line to pay their bills at supermarkets, but this is rarely observed now with the advent of contactless payments.
    这句话指出，像以前那样很多使用现金的顾客在超市排大队付款的情景现在已经很少看到了，然后用介词with引出这种现象发生的一个原因是“非接触式支付方式的到来”，用介词+名词的形式写原因，使句式更简洁明了。

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