Again, cash in the context of the article has nothing to do with physical possession of money in a safe or something. And, you seem to imply I don't have an un

Again, cash in the context of the article has nothing to do with physical possession of money in a safe or something. And, you seem to imply I don't have an understanding for how banking works. If one of your bank accounts gets yanked for fraud investigation, you shouldn't be getting all accounts frozen at all banks, outside of some government intervention involving freezing assets. If that's a situation you have to worry about, then sure maybe having physical cash matters. It doesn't for 99.999+% of people. In the vast majority of cases, if you have an account frozen at one bank establishment, until they finish action... the rest of your money is fine at other banks. You should have plenty of time to go through the appeals process and whatnot.