<prompt> Human: I just read an article about the threat of cyber terrorism that could disrupt financial systems to the point where no one is sure whats real or fake. This got me thinking about the fact I have no physical currency so if my accounts were compromised it could wipe out nearly all of my assets. Would keeping an emergency fund in cash be a good way to protect against a catastrophic event or is this a tin-foil hat type of paranoia?  <response>: The thing is, if something like that happens, is cash really gonna help? That sort of scenario would go hand in hand with an everybody-looting-in-the-streets situation. 