I mainly use a card everywhere I go and my bank pays me back for the dollar fees incurred at ATMs and gas stations. I have been trying to convince my wife for years now that we need to switch to a credit card that pays us cash back even if it is just 3%. She thinks the more stuff we put out in the internet the more likely we are to get hacked. She still calls the bank on a landline to check bank transactions
, never check it online. I like to keep a few dollars on me but they say paper money is dirtier than a household toilet seat.