You are correct. It is the visualization that is just suffering horribly. Obviously we are moving to a complete card based exchange system where the amounts are presumed to be correct in every instance.
I heard about a pharmacists mate in the Navy stationed at the Pentagon who hatched a scheme to divert on Oxycontin per each prescription filled in the Navy system to an account he controlled. He ended up turning himself in for protection. The quantity he was dealing in required very top level dealers and he was afraid for his life after he made millions.
So. What if somebody figured out how to liberate 1 cent per Visa transaction? How would anybody today catch it? What if it was Amazon that wanted to improve their bottom line?
With people that can't visualize their money as a number there is no hope.