教授：线上支付这个趋势是好是坏？

Paul：好，很方便

Claire：不好，容易过度消费

Doctor Achebe: In recent years, with the increasing prevalence of online payment methods, we've seen a significant decrease in the use of cash for everyday transactions. This shift has prompted a debate about whether it's a positive or negative development. So, let me pose this question to you: With the decrease in cash usage due to the rise of online payments, do you consider this trend to be positive or negative? Why or why not?

Paul: This is indeed a positive development because it offers tremendous convenience. We can complete transactions with just our smartphones, eliminating the need to carry a wallet full of cash and coins. This convenience not only streamlines our daily routines but also reduces the risk of theft or loss associated with physical cash.

Claire: This trend is negative because it disconnects us from our spending habits. When we use cash, we have a tangible sense of how much money we're spending, which helps us keep track of our expenses. With digital payments, it's easier to lose sight of our financial transactions, potentially leading to overspending and financial mismanagement.

破题

这次的考题依然是和购物支付相关的，这篇难度不大，但是话题还是挺新颖的，可能很多同学没有特别准备这样的话题，只能靠平时的基本储备去作答了。

这似乎也是现在改版后的一个趋势，整体难度不算很大，但话题很丰富，契合日常生活，考察的是同学们日常对各种话题的展开水平，这个准备起来会比以前独立写作可能更少了一些套式，需要更多的日常输入习惯。

而多有意识地输入各种话题，也是对英语能力本质的提升。

回到这道题本身，可说的角度还是多的。

positive

1. 更方便

2. 在线记录会更清楚，更知道自己的花销走向

3. 更安全，每一笔都有记录

4. 线上刷卡通常有更多的优惠

5. 不易被偷盗

negative

1. 更容易花多（比如在线购物等）

2. 更容易提前消费（信用卡等）

3. 没有网络的时候很不方便

4. 线上支付对老年人不太友好

参考思路

立场：positive

I agree with Paul's perspective that the decrease in cash usage due to the rise of online payments is a positive development. （支持同学观点）In addition to the convenience factor, which Paul highlighted, it's worth noting that online payments often offer promotional discounts and rewards programs that can benefit consumers. Many digital payment platforms and apps provide cashback offers, loyalty points, or discounts when users make purchases. This incentivizes people to use digital payment methods, ultimately saving them money on everyday expenses.（给出理由）

While Claire raises a valid concern about the potential for digital payments to disconnect people from their spending habits, it's important to understand that responsible financial management usually depends on the individual's discipline and awareness.（让步转折同学观点） With the right mindset and tools, such as budgeting apps and account notifications, people can still maintain a clear understanding of their financial transactions even in a digital payment environment.（给出理由）

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