Phil Jones the people I’ve overheard complaining about the money they’ve “lost” because they chose to carry it and it was stolen are the stupid ones IMO. I have four ATM cards. All rebate all ATM fees and have no foreign transaction fees. I choose my accounts based upon my nomadic lifestyle and I never carry large sums of cash. I don’t need to worry about what I hold tight, 😂. Doing so is also much harder with women’s attire, btw.
I have been to Thailand numerous times. I use ATM machines to get cash as needed. My credit unions reimburse me for all fees. I carry very little cash with me. I said I didn’t want to carry 20K baht and be a target. I guess I wasn’t clear enough. I don’t religiously oppose cash altogether.
I’m aware, but the in-country visa has its own requirements that are becoming harder and harder to meet (most especially opening a bank account). The point of my comment is not that there aren’t other options. 🤦♀️