<prompt> Human: Not sure if its too paranoid or otherwise irresponsible, but my logic is if something real bad happens on a wider scale, I wont be able to get cash out of an ATM and a bird in the hand is worth two in the bush.  <response>: I keep a couple grand in cash at home. It makes me feel better to have it, and I will never miss the 20 of interest per year that Im not getting. 