[caryhartline]

The natural reaction to that is that at least you didn't actually lose any money. If you were carrying around cash then that cash would be gone forever.

It may be the case that people need to carry around cards like they are cash. That is, to keep a card at home or in a bank box that's tied to some other account with emergency funds.

It does say something terrible about our current bank system that nearly everything takes a least day if not a week to process, but keeping around cash won't change that.