You've got 11K on cards?
Even the thought of that makes my stomach unhappy.
It's funny how money affects some people. Large sums, strategic planning is abstract and decisions can be made to place assets for growth.
Then there is the 'real stuff'. My wife doesn't like to carry anything more than a small amount of cash. She will deposit cash then use her bank card for purchases.
Age and background have a lot to do with it.
Les