2024年8月托福写作考试将是备受关注的重点。考生们纷纷期待着这次机会，希望能够在考试中取得好成绩。为了帮助考生们更好地准备，本文将详细介绍2024年8月托福写作考试的重点题目。

　　点击查看》》托福考前必刷：2024年8月托福写作考试重点题目汇总

5.3 减少使用现金的利弊

　　Dr. 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 budget. But with physical money, you are more aware of your spending and if you run out of cash you can't spend any more!

　　参考观点：

　　减少现金使用是积极的:

　　理由 1: 电子支付方式如信用卡和手机应用支付，相比现金来说是更高效的支付方式，节省了 人们的交易时间。

　　理由 2: 减少现金的使用降低了携带大量现金被盗抢的风险，提高了个人财务安全性。 减少现金使用是消极的：

　　理由 1: 减少现金使用可能对那些没有银行账户或无法使用电子支付的人群造成不便。 理由 2: 电子支付可能面临欺诈风险，如网络诈骗和信用卡欺诈等安全威胁。

　　高频表达：

　　efficient payment methods — 高效的支付方式

　　financial security — 财务安全

　　time-saving — 节省时间的

　　online scams — 网络诈骗

　　fraud risks — 欺诈风险

　　通过以上托福写作题目讲解，相信考生们能够在2024年8月托福写作考试中取得优异的成绩。希望大家都能够顺利通过考试，实现自己的目标!

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　　2024年8月托福写作重点题汇总