I think it is sensible to keep a few hundred dollars at home. Our infrastructure, while reliable, it is not absolutely impervious to failure. While very improba

I think it is sensible to keep a few hundred dollars at home. Our infrastructure, while reliable, it is not absolutely impervious to failure. While very improbable, scenarios of a multi-day payments system outage due to ciber attacks or maybe planned downtime in preparation for a major solar flare are possible. And if you think about local outages they are a bit more probable. But this precaution goes down the drain if no business is ready to accept cash anymore. Also, having some spare cash with you is useful if you want to help someone who has been robbed or a homeless person.