I carry 2 $20s hidden in my wallet, the bill compartment amount varies usually about $100 and around fifty in a money clip. We have rather large amounts in small bills and $50 in quarters in our BOBs. I have yet to meet the person who will not take cash over a check, and if the systems go down plastic will be useless. I am assuming that they would prefer cash over supposed gold coins, nuggets, jewelry etc. I'd rather not depend on those means of exchange and have them not accepted. This is JMHO.