✔ 最佳答案
I completely agree that it's dumb not to save for an emergency, but personally I don't see any need to budget $5000 to spend while on vacation. The best things in life are free - and one certainly doesn't need to have $5k in spending money while on vacation just to enjoy yourself - even when traveling to more expensive destinations. Blowing through $5k on a vacation just on spending money not the vacation itself is what is ridiculous.
Your logic for carrying cash instead of using credit cards is just foolish - if you're robbed the old-fashioned way (still far more common than identity theft) you have absolutely no recourse to get your money back. If you're using a credit card you can report it stolen and not be liable for any purchases you didn't make.
I don't think you're in any position to criticize others when you're spending excessive amounts and unsafely at that.