Like maybe a single crystal? Or maybe a water molecule?

The reason I ask is that I stopped by the bank to cash in some coins yesterday. The total came to $22.57. We have an auto loan with this bank (actually, a credit union), and we used to have a credit card.

What I normally do when I cash in the coins is take the bills ($22), and put them into my wallet, and take the change ($.57), and put it toward my credit card, or now my auto loan.

My thinking is that the $22 in cash puts me $22 further ahead until I need to visit the ATM again. And, I cashed in the coins, so why would I want to leave with any? So I use them to pay a very small amount against my loan. Not really a snow flake, but something smaller. I'll call it an H2O molecule.

Sure, I could put the whole amount against my auto loan, and maybe I should. Again, assuming I don't spend it foolishly, I'd rather have the cash in my pocket, and the change not in my pocket. So, that's what I do.