随着互联网时代的到来，现在大多数人都在使用微信、支付宝等移动支付工具进行结算支付，只有少数 老年人和孩子还在使用现金支付。于是，就有不少专家预测，在未来15-20年之内，现金将逐步退出历 史舞台，中国社会将进入到无现金时代。 不过，有银行员工提醒，从8月开始，家里最好留5万现金。主要有以下这4个原因。让我们一起来了解 一下： 第一，现金可以应对突发事件 再者，虽然移动支付方式已经普及，但也会在很多的情况下无法使用。比如，手机没电、发生故障，以 及没有网络等情况，如果身边没带现金，甚至连矿泉水都买不了。显然，在突发灾难，以及移动支付失 效的情况下，现金支付在关键的时候要比手机更靠谱。 第二，控制消费，家底不空 现在很多人在使用微信、支付宝等移动工具进行结算支付时，通常无法控消费欲望，大肆挥霍。这样要 不了半个月，之前刚发的工资已经用完。而如果家里常备一些现金，平时需要用多少就拿多少，花多少 钱都能看得见。这样一来，消费起来就会越来越理智。如果觉得这几天花钱速度快了，那后面几天日子 过得节俭一些，最终就能达到收支平衡。 第三，守住自己的隐私 现在有越来越多的人开始重视自己消费隐私的情况，所以都选择用现金进行结算支 ...

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].