9月份起，建议至少在家备上3万元现金，这4个原因很现实

Core Viewpoint - The article discusses the increasing reliance on mobile payment tools in China while highlighting the importance of keeping cash on hand for emergencies and specific social situations [1][14]. Group 1: Reasons for Keeping Cash - Cash can help respond to emergencies, such as natural disasters or medical emergencies, where mobile payment may not be available due to power outages or network failures [5][6]. - Certain social occasions, like weddings or holidays, often require cash gifts to make a stronger impression compared to digital transfers [8][9]. - Using cash can prevent privacy leaks associated with mobile payments, as cash transactions do not leave a digital footprint [11]. - Cash payments can help control spending habits, as individuals may be more aware of their expenditures when using physical money rather than digital transactions [13][14]. Group 2: Future of Payment Methods - Despite the rise of mobile payments, cash is expected to remain relevant in daily life, indicating a long-term coexistence of both payment methods [14].