Depends. Very long time ago I was approached by a group of seemingly friendly people asking for direction, then I felt sharp object to my belly and they told me to walk slowly towards cash point. They said they'll stab me if I don't withdraw all money I can. So I did. When cards were not popular, I would have small amount of cash in the wallet and anything more substantial hidden in a sock or elsewhere. Thieves would take what would be comfortable for me to lose. I guess it can be the same with cards - have a card with small amount and actual card hidden, but it is not as easy to hide as cash. Then you have whole other kettle of fish - banking apps. There's been instances of people being forced to do transfer at knifepoint. For that reason I don't use any apps, apart from throwaway bank account - again with small balance just in case. Shame more banks are restricting web access, which I think is most secure.