I agree -- if you have any extra money (that you don't plan to need/use for 3 months or more) you should keep it closer to you.
Keep it in cash, silver, gold and
"practical tools/equipment"
which is defined as items that help you:
Grow things
Make things
Fix things
Maintain things
Trade for other things
Things you seldom find at smart peoples' garage sales, or the first things to go at any garage sale. Things that anyone can use.
Of course, if you're paycheck-to-paycheck (or close to it) then this doesn't apply to you.