示范答案：
I primarily pay bills through online banking or mobile payment platforms rather than cash. The main reason is efficiency: most bills (like rent, internet, or insurance) can be set up with automatic deductions, so I don’t have to remember to pay them manually each month—this eliminates the risk of late fees. Additionally, paying digitally is safer than carrying large amounts of cash to physical payment points, and I can access all my payment history online whenever I need to review my finances. Cash just doesn’t offer these practical benefits for regular bill payments.
