@Ric****
this isn't Angola, it is Thailand, it's a relatively modern and functioning country. I don't think I'd accidentally end up in Luanda Angola without making a conscious decision to do there (I've heard it's expensive for foreigners all right).
"If all you have is cards and they are stolen" - have you ever considered that cash can be stolen as well? What if your cash is stolen, what do you do then?
If you carry around >$600 every single time you go anywhere, good for you, but I can guarantee you, MOST normal people do not do that, in 2017. And there is no need to.
Regarding the fees, they are dependent on the specific bank, yes, so lucky you if you have a bank that gives you free international SWIFT transfers. But you can get similar deals with ATM cards if you go to the right bank as well (Charles Schwab for example).