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It is worth having cash for several reasons: Cash is universal and accepted as a form of payment in most places, both in shops and restaurants, as well as in some services. Some places may not accept credit or debit card payments, so it is good to have cash on hand just in case. Having cash can be useful in case of technical failures in payment systems. Sometimes ATMs may not work or cards may be declined, making it difficult to make payments. Having cash allows you to continue using services and making purchases. Cash can be used for small transactions or payments, for example, when you want to buy a newspaper or tip a waiter. In such situations, it is more convenient and faster to pay with cash than to deal with account numbers or checks. However, it is worth remembering that carrying a large amount of cash can be risky in terms of theft or loss. Therefore, one should always exercise caution and prioritize the security of their money. In summary, it is worthwhile to have a certain amount of cash for greater flexibility and the ability to pay in different situations. However, it should be done in moderation and always keep in mind the security of one's money.

"Not only is it worth it, but one simply must have some cash on hand :) Just for the purpose of safeguarding oneself against unexpected situations (e.g. a pandemic outbreak - massive queues at ATMs, lack of money in ATMs, etc.)."