RULE NUMBER ONE IN 2016, Keep physical money somewhere safe in your house. I'm one to use my debit/credit card and convenience of a bank account but that can be taken away without warning at any time for any number of reasons ranging from completely legal and highly probable to highly illegal and unlikely, but not impossible.

Here's a good example that actually happened (in the UK), I had a close friend who managed his account well, worked a standard 9 - 5 job as a large nightclub's financial adviser/accountant, apart from the nightclub bit it really was your average job with an average wage. He lived in London, had his own studio apartment and almost no debts (except a credit card with a balance of £500), one day he wakes to find he can't use his card, when he tried to take cash out the atm kept his card. When he called the bank to find out what was going on they told him 2 very large transactions were taken without his concent, the first was from his own ISP (BT), the second was one he didn't recognise and was a Paypal transaction. This left him £1500 overdrawn, with his bank charging him £25 a day for every day he's overdrawn. He gets the bank to reverse the Paypal transaction but because BT is his ISP, the bank wouldn't do anything. Long story short he was reduced to complete financial ruin in the space of a month, was unable to pay his rent or bills and before he was evicted or lost everything, he sold everything he could and left the UK, as far as I know he now lives in Berlin.

That is of course an extreme example, but it CAN and DOES happen to people and there is very little that can be done to stop it. ALWAYS try to keep at least 1 months worth of wages somewhere safe in your home. Heck the banking system could crash next week and people would only have the money they have on them/in their home.