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You'd be surprised how differently men feel about carrying a lot of cash around than women so a man paying $2K-3K in cash in a boutique isn't surprising. Personally, I wouldn't charge something like that because you are just asking to be "stalked" by telemarketers and credit card companies. I find check cards tacky - it's like you want the convenience of a credit card without having real credit. As for the "insurance" from credit cards, it isn't really insurance - you'd be better off just taking a picture of it and keeping it with other papers it would be covered under your homeowners (or renters) insurance if something happened to it.
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