Thanks all for your answers.
BusyBees, your way is the same thoughts as mine. I always pay cash except for an emergency where I do not have enough on me.
I guess where it started was about 3 yrs ago they asked for an amount and I was not able to give an exact amount as wife had some and I more. Gave them a figure and they pulled me over and they had to count every dime Canadian and US.
We had about 3500 and then they let us go.
The last 2 times they ask and we tell them and then they have to count money each time. They Do not appear to have other issues just money.
It is just a real hassle and you lose about 1.5 hrs there.
I may have to try another crossing like Sarnia.