Yeah until recently I was drinking that much, but I never noticed a change in my energy levels from coffee. I could also have coffee quite late in the evening and not have trouble sleeping.
I recently cut back to max 1 a day (sometimes going days without) and haven’t noticed any change.
Depends largely on where you are, but in Germany it’s fairly common to carry and pay by cash, something I’m going to have to get used to since moving from AU.