I wonder if we are at the point its safer to just cash your entire paycheck? I mean people's cards get skimmed or numbers leaked all the time. Maybe not under your mattress but some other hidy spot a thief will never find your cash, but the risk is probably nonzero for every debit/creidt card holder that they will not experience some fraud. Muggings are also simpler if you are cashed based. You get mugged with cash on you, that's it, that's the extent of the damage just whatever bills you had on you. You get mugged with your cards on you, good luck cancelling them quickly with that banking app on your phone the thief also stole off you.