In message , Robin May
writes
Surely if someone had run out of cash then by definition they
wouldn't have any in their wallet.

What Al is suggesting is that people should have a "buffered wallet", so
that when they use up the "last" of their cash, then there's a note
hidden somewhere for emergencies. I can operate such a scheme (don't use
the last £20 note unless it's an emergency) without having to hide it
away. But it still means I have only £20 on me at times, and therefore
require an ATM when making a large cash purchase.
--
Roland Perry