Older DD13 puts too high a value on cash - she never spends any at all. So I hand her money to go on field trips or out with her friends, because she needs to work up the courage to interact with cashiers and waiters.
Another way to work on those interactions would be to hand over store/restaurant transactions whenever they crop up and you're with her. Even if they're not cash transactions, your child can do everything except sign the slip (she could also enter a PIN if you're doing it that way, but I wouldn't advise it!). And in a restaurant, she should be ordering her own food.
