As long as you are and have access to your bank you may think so, but the moment they decide that you should for one reason or another be considered a criminal or "an enemy of the state" and lock you out from your funds, you might want to reconsider. Actually you might come to the conclusion that cash is the best think ever.
If an illegal bank account is frozen by the authorities, neither cash nor debit/credit cards can be used for that account.