I live in a major city outside the US and the culture here is very non-transactional with the neighbourhood vendors. Sometimes I forget to have enough cash and I they'll suggest I pay later (and always do). I'll be given excellent and free advice from my pharmacy, free fruit samples from the fruit grocer, good discounts on places I frequent. These are owner-run businesses, obviously the supermarket doesn't give me any preferential treatment. I love this city, it's very warm and generous, maybe because they have an incredibly strong social system but also because the municipality works to encourage owner-run businesses.