While cambios give you a little less than the BANK rate ,it is not much, the biggest thing in paying Ja is you got it for say 96 to 1, a hotel or bar will only give you say 90 to1 , if they say the beer is 3 dollars, that would be 3x90 or 270 Ja not the cambio rate of 96x3 or 288 Ja! You just saved 18 Ja by using cambio money. All things are in a drunks frame of beer prices!