I always put smaller bills on the outside, so I doubt anyone thinks I'm flashy showing a couple $1s (I moved a $2 to the outside for the picture). Sometimes I have no bills and it's just a few cards. If I'm waiting in line to pay for something I just take the clip off and hold it in my left palm, and from there it's really simple to pull out bills or the right card. No downsides as far as I'm concerned! I think a super lightweight wallet would be just about as good, but I prefer the clip.