Who pays $3,100 in cash for a hotel room? Who caries around that kind of money??
When exchange rate dips UK pound to US dollar it made a difference of $100 in just 5 days. We were told we could pay in local currency and it was a special occasion and expensive for us so we took the cash option
If you are you are an idiot to be honest about it. If you do not own a credit card then you need to get one if you are planning a vacation anywhere.
Nobody I know, not smart.
Get an answer from Sheraton Waikiki staff and past guests.