Re-read my post. You didn't address the point. Swag having a $50 did NOTHING to cause the situation. The driver couldn't break a $20.
Explain to me how a mugger is going to know if a driver can break a $50 or a $20, and how that is going to affect whether or not he's mugged. It's not. If they are concerned about the issue to the point drivers are truly in danger, than either don't send them out and force customers to pick up, or at least have a "credit only" policy and put that in bright fluorescent writing on the drivers shirt and van for the world to see. Otherwise he's at risk either way. See Jason Berrymen.
Even if he "only carries" $20 in change as you say, if he's making a run and drops off numerous pizzas and is getting $30/pop like Swags plus his initial money, he's carrying a big wad of cash in that same neighborhood anyway. No mugger is going to know exactly where he is with his deliveries and how much cash he has. All he's going to know is it's a delivery guy who has cash of some amount, period.
I could see your argument for a $100 bill. Or even a $50 for a $3 item. But a $50 on a service that costs greater than $20? Give me a break.
The counterfeit issue is completely bogus. Do you know what the most commonly counterfeited bill is? The $20. Either a business accepts US currency or it doesn't. And if they don't or don't accept something, they damn well better state so on the phone at the time of the order.
And you're not reading my points.
How could the driver not break a 20 for swag? If swag had given him 2 20s instead of a 50 the driver had change.
Yes, drivers end up with more than 20 in their bags as they take runs. The idea is to LIMIT the amount of times of exposure. Earlier I mentioned that we try and do a drop on every run, to limit the chances of exposure. If you deliver to a place and pull out a gangster roll of cash you can give some people the idea that you carry that much cash all the times. They could, at a later date, set up a fake deliver address and mug a driver. This HAS happened. It's not a fiction account I'm making up. It's rare but you still take steps to limit exposure. You are right, no customer is going to know what a driver has at any time, that doesn't mean you should let him carry a pocketful at all times. I had a driver get rolled, I mean physically punched, for his 20 dollar start up bag. The person was caught a charged with assault. Could have been $100 dollars, could have 20, but the mugger was under the impression the driver would have more than he did.
Even if it's not theft, a driver has been known to "lose" their delivery wallet on occasion. I dont know about you but if I'm the business owner or that delivery driver I would rather come up with 20 in change than I would $50. Again, doesn't happen often but when it's an easily thing to take steps to prevent, you do it.
As for the counterfeit argument. Sure the 20 is the most counterfeited but which would you, as a business owner, rather get burned on. Taking a $50 and giving change on it, or taking a $20 and giving change on it? Again, rare, but why take un-needed risks?
As to your last point, we do accept it. I even take 100s on deliveries as long as the customer has an ounce of foresight to say, "hey, I've got a bill that's larger than your driver may have change for". How flipping hard is that to understand?
You're making arguments that are all needless if a person simply says "can you bring change for a 50?"