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Decided to start paying predominantly cash again
(lemmy.mtate.me.uk)
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[Matrix/Element]Dead
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It's a private contract between the business and the customer, you are supposed to ensure you have means to pay beforehand.
In the US cash is considered "legal tender for all debts" by law currently.
That's changing though as some places won't accept cash even still.
It's the same in the UK but "legal tender" doesn't mean what most people think it means.
When you buy something from a shop you're technically offering to enter a contractual relationship for the purchase of said goods. If the shop agrees to your terms, including how you'd like to pay, then the contract is ratified. If they don't accept your preferred method of payment then there is no contract of sale and there is no debt to be paid.
This is also why shops don't have to honour pricing errors; when you bring the item to the checkout you're technically just offering to buy it for the listed price and they can choose to reject your offer.