I think it is sort of a sliding scale from being exceptionally over prepared for something that you see as very possible, and being not at all prepared for something you see as very unlikely. I fall in the lower end of the middle. I do always travel with enough USD to bail me out of sticky situations.
@nickapos That is a good idea about using two banks. I was just about to close my bank account in my old hometown and go just with my online bank. I think I will keep a backup fund in that account rather than close it. Thanks for giving me the idea. That bank is local and pretty small. Though my other bank USAA can just barely be considered a large bank, might be a target just because it services those associated with the US military.
I have so very little money or possessions nowadays, that losing everything really wouldn’t amount to much. With so little to lose, I have no motivation to go through the hassle of going back to paper.
Anyway my lifestyle doesn’t allow for maintaining paper records, without going to great expense. I download my bank statements and like paperwork to my computer. It is saved on the cloud and on an external hard drive. When I have shifted my storage unit to a city I visit three or four times a year, from my old home town, I will start cycling a second backup drive in the storage unit every time I pass through.