[GhostVII]

I think most day-to-day problems are easily solved by just getting a credit card, there are lots of no-fee cards that pretty much anyone can get. They work everywhere, and have fraud protection (edit: In North America at least).

For me, the biggest problem is trying to move large amounts of money around, especially across borders. It took me like 3 phone calls and a trip to the bank to figure out how to move my money from my US bank account to my Canadian bank account without having to pay an absurd $40 wire fee. And of course currency conversion is a pain as well - if you are converting a large amount of money you either pay a tonne of fees through the bank, pay a fairly large amount of fees (~1%) through something like Transferwise, or pay no fees by going through the hastle of Norberts Gambit.