I guess it all depends on where you live. I can use cash anywhere in my country. I can use my debit card anywhere in my country. I can use a CC anywhere in my country. My savings account gets about a -2% ROI assuming you believe the governments inflation data. The gold market is more manipulated than Caitlyn Jenner. Equities market at all time highs while the US president and Kim Jung crazier than his dad square off all just makes me nervous. Real money hasn't even began to flow into CRYPTO yet but it is coming!