What van you do with just 20? Over here that’s not enough for most train tickets. You could get 2 beers and some fries. But going home with public transportation only works with 20 euros if your bike gets stolen in your own city.

I keep roughly 200 on me at all times. Several times I needed large parts of it for sudden expenses for which I couldn’t use a card, of when the card system was offline or something like that. Of a friend needs cash suddenly.