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现金 (xiàn jīn) is preferred in situations where the buyer and seller are in close proximity and the transaction is relatively small. This is because cash is the most convenient and secure form of payment in such cases. It is also preferred in situations where the buyer and seller do not trust each other, as it eliminates the risk of fraud associated with other forms of payment such as 支付宝 (zhī fù bǎo) or 微信支付 (wēi xìn zhī fù). Additionally, cash is often preferred in situations where the buyer and seller do not have access to other forms of payment, such as in rural areas.
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现金 (xiàn jīn) is used more commonly in spoken Chinese. This is because it is a short and easy word to pronounce, and it is also a common term used in everyday conversations. In written Chinese, it is still used, but it is more likely to be replaced by other words such as 现款 (xiàn kuǎn).
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