7月起家里没放现金的，最好准备几万现金放家里，有5个原因

Core Viewpoint - The increasing prevalence of mobile payment tools in China has led to a significant decline in cash usage, raising concerns about potential vulnerabilities in payment systems and the importance of maintaining cash reserves for emergencies [1][13]. Group 1: Mobile Payment Trends - In the past year, the transaction volume of Alipay and WeChat Pay exceeded 420 trillion yuan, with a mobile payment penetration rate of 92.4% [1]. - By the first quarter of 2025, the cash circulation volume in China is expected to decrease by 14.2% year-on-year, marking a historical low [1]. Group 2: Reasons for Keeping Cash - Network Stability Concerns: The reliability of network services is questionable, with major cities experiencing an average of 1.7 large-scale network fluctuations per month in the first half of 2025 [3]. - Account Freezing Issues: 40% of users report that their accounts were frozen for unclear reasons, with a 31% increase in suspicious account freezes in 2024, totaling 1.43 million accounts [6]. - Natural Disaster Preparedness: In 2024, there were 132 significant natural disasters affecting over 89 million people, often leading to network disruptions and banking system failures [7]. - Emergency Payments: In urgent situations, such as medical emergencies, having cash on hand can facilitate immediate payments when mobile payment systems may fail [10]. - Impulse Control: Keeping cash can help individuals manage their spending habits better, as it allows for more controlled cash flow compared to digital payments [11].