I had to go without my Visa card because it was swallowed by the ATM. It had been cloned. It took five days to replace
Talk about going back to the mid-20th century. I had to remember to carry cash, how much cash I would need each day, how much would I need for emergencies.
I had to remember how much I spent day to day and then budget for this and that. I never had thought about that much before. Carrying cash and remembering how to budget your wallet every day is a skill that I lost 20 years when I got my credit card.
This is was in my home town. Imagine the horrors if you were abroad and having to travel without a credit card.
Last time I had to do that was in Japan in 1993. Credit cards are not widely accepted in Japan. Cash is king. There were a few international ATMs in Japan at that time, maybe three in all of Tokyo.
Utopia, you are standing in it! 
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