Hank, what countries do you find where you still need foreign currency?
Our recently completed cruise started in the UK (where we stayed a day prior, and then went to the Netherlands (unfortunately skipping Belgium because of an extremely low tide), Norway, and Iceland were the final 2 countries we visited. .
I got pounds and Euros before the cruise. I spent the pounds, but really could have used a credit card for every purchase we made. In Amsterdam, several places, mainly museums, would only take cards. One museum did take cash, but really would have preferred a card instead.
We had no local currency for Norway or Iceland and did not need any, only again using a credit card.