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I've also been hit by not being able to withdraw more than about $5k cash as a retail customer without multi day notice. I do wonder if it's not all nefarious as cash has become drastically less common over the past couple decades.

Still, it's especially interesting because the numbers even 15 years ago are much higher in real terms than today.

This is another advantage of inflation.

You can set rules like, you have to declare more than $10k worth of assets traveling with you on flights, and every year, the plummeting value of that dollar metric includes more and more people and activities in the surveillance state.



Cash is a bit of a pain to deal with, and most branches all normal withdrawals are going to be via the ATM anyway.

Cash is also a security risk and liability from a ‘getting robbed’ perspective.

So it’s rare to really need more anymore, except for outlier situations like car sales, which they generally don’t handle well.


True, but so much of banking has been moved to online and mobile so visits to an actual branch are almost always outlier situations.

I shouldn’t have to schedule something ahead of time which is the equivalent of cashing the average American paycheck. Cash might be a bit of a pain, but there are still plenty of common and good reasons why I might want 5k of my money without having to wait a few days for it.


100% agree, however a lot of the banks seem to not have picked up on this yet.




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