5. Xiomara uses reward points on her credit card to purchase a book she wants to read online. That evening she meets up with a friend for dinner but discovers she left her credit card at home. She agrees to pay her friend for her half of dinner later using Venmo. Their waiter uses a point-of-service mobile device to charge Xiomara's friend's credit card. On her way home, Xiomara buys a latte at a drive-through using cash she got from an ATM the day before, and when she gets home, she pays her friend with Venmo and then uses some airline miles to buy a plane ticket to see her mother in Mexico next month. Which of these purchases involve digital payments? Which involve using digital assets? Which involve cash or credit? Explain why each person might have chosen the form of payment. (8 points)