I almost never have such bills on me. Nor did my wife, but she DID have some envelopes with cash for her hairdresser, and for the groceries, that she could borrow from.
She generally pays for the groceries with cash because writing a check is too expensive, and it surely is. I pay with my credit card – where IS my checkbook? – because I like getting my rewards dollars and hate carrying a lot of cash.
When we first started going out, she had several envelopes filled with bills of various denominations, for every expenditure in her life at the time. I found this most unusual.
She also never uses an ATM card, which I still don’t quite get. If I had needed to get money for the Daughter that morning, I would have just walked over to my bank branch, a block and a half away, and just taken out three $20s.
I should note that her cash economy isn’t as rare as most of us would think. According to Pymnts, “an estimated 24 percent of U.S. citizens make all their purchases using cash.” Moreover, “in the U.S., cash usage grew by 4.7 percent per year between 2000 and 2015.”
When she does pay with a credit card, she often goes to the store to pay off the balance, usually in cash. I used to do that at Sears when I shopped there in the 1980s and 1990s, but I forgot that it was still an option.
As Dustbury pointed out, when the electronic systems go kablooey, operating with cash is a great way to go.
This is why we have three checking accounts, hers, mine, and ours, which I almost never use. It insures domestic tranquility.
Did I mention it’s her natal day? Maybe I’ll give her a couple $20s, a $10, and… some miscellaneous other bills.