Personally, I don’t carry cash on me. The only time I use it (kid’s lunches, lottery tickets for office pool (I refuse to be left behind in the unlikely event t

Personally, I don’t carry cash on me. The only time I use it (kid’s lunches, lottery tickets for office pool (I refuse to be left behind in the unlikely event they win, otherwise wouldn’t play), and spur of the moment things requiring cash/check), I either withdraw right before needing or the night before. I also don’t do checks, really. I’ve been able to get by with card for the vast majority of things, so it works for me.