[kube-system]

Cash. I have used a branchless bank for much of my banking, but it is still useful to keep an account open with a branched bank for the times that I need to do transactions with amounts of cash that are larger than ATM limits.

[boneitis]

Yep, cash. Especially in the age of: 1) robo-support with pre-defined assistance paths that are engineered precisely to avoid servicing the types of issues you will run into at critical moments, and 2) banks / money processing services cutting you off with no warning.

I asked my bank a while back to send me a new card as I regularly do when the current card gets worn out and starts to more frequently fail chip/strip readers, and it got lost in transit. I requested them to send me another; however, this time they had marked my old card having been lost/stolen and closed the debit account.

Not wanting to struggle with finding a friend both actually having money to spare and willing to engage in some attentive coordination, I was effectively cut off from _all_ of my cash, as far as I could see. I'm not particularly familiar with all the money movement mechanisms.

I had to make the effort to get to the bank the next day during business hours (I am a night owl and work full time), and I withdrew a good chunk of cash to hold me over while waiting for my card, which finally arrived yesterday.

Yadda yadda, something something don't put all your eggs in one basket. Yes, I know. I have only on the order of months been making enough to be able to entertain sharding off more than negligible amounts into a secondary account. It is on the to-do list.