Natalia Paruz, who serenades straphangers with her musical saw, isn’t getting the tips she used to. That was clear on a recent Thursday at the Herald Square station in midtown Manhattan, her gold-colored tip bucket only showing a couple dollar bills and some coins halfway through a three-hour performance during the afternoon rush. “I have so many people who come to me and say to me, ‘I love your music, I want to give, but I’m sorry, I don’t carry cash,’” said Paruz, who calls h

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