It's not the carrying of the paper that's the problem. I have to know beforehand how much I'll need, and keep that separate from the rest of my funds. This mea

It's not the carrying of the paper that's the problem. I have to know beforehand how much I'll need, and keep that separate from the rest of my funds. This means that I can't use it for anything that would normally come directly out of my account, and can only be used for in-person transactions. You are over-simplifying the entire process.