You always need to be on a check. It is better not to store all savings on one card, but to get a few accounts. This precaution will not hurt you, or maybe even save you from scammers. But in the case of you have problems on financial obligations, all accounts in your name will “freeze” immediately and in an instant. Therefore, having cash is also good. Or not have such problems. To decide what is acceptable and what is not, only to you.