I carry a knife and a lighter and a gun pretty much all the time. I use the knife and lighter for everyday tasks but the gun just kinda sits around. Odds I need a couple hundred bucks cash all of a sudden are probably higher than needing the gun.
If we look at realistic emergencies that are likely to befall us most of them will go a whole lot better with cash. Are we more likely to need a few hundred bucks during a regional disaster or a dozen buckets of wheat? Sorry folks but it is the cash.
Of course everything needs to be in proportion to your life. For an average guy a couple hundred bucks in his wallet, a few hundred in his BOB/ GHB and several hundred or more (say a months cash expenses) in the safe at home is realistic and covers a lot of bases.
Those numbers were for an average type income. For a lower income person cut those amounts in half. For a person with higher income and expenses add more money accordingly.
In most realistic situations cash is the way you will buy the goods and services you need.
Someone is inevitably going to say “cash will be worthless in a hyperinflation scenario so I use precious metals/ beads/ etc all”. This person is ignorant. First because you aren’t going to be able to readily trade those things in MOST REALISTIC SCENARIOS. Second of all cash is essential in the beginning of that type of situation, read some FERFAL. You just spend it. Third we are talking about a relatively small amount of money. Say add it all up and maybe a months income. If you wanted to keep however much gold and silver put back with the cash I would say that is fine.