this is why bitcoin and zcash is so important: your keys, your coins, period. as long as the bank or other card issuer or merchant is on the hook for stolen cards and identity fraud, they'll be paranoid about anything that looks 'suspicious' and cut off your access to your funds just in case
(of course if you want to keep your bitcoin in a 'bank' you can, but the important thing is that the choice is yours, not the government's; and merchants who accept bitcoin aren't at risk of incurring chargebacks)
online payment is coming one way or another; let's make sure it's self-sovereign, secure by design, and privacy-protecting. we've already gone a long way down a very dark road, and it's going to get a lot worse before it gets better, with oppressive governments freezing the funds of family members of dissidents and journalists, genocides, and targeted overseas assassinations facilitated by our insecure-by-design payment system
today bitcoin already solves the 'hard to carry cash from one country to another' problem pretty comprehensively; you can buy bitcoin in one country, write your electrum seed phrase on a slip of paper (or memorize it, or read it over the phone to a relative who writes it down), reinstall electrum on a fresh, trustworthy phone after you arrive, and change the bitcoin to local currency with a local counterparty. no cell phone for corrupt cops to copy keys from at the airport, no briefcases full of bills, nothing to declare at customs. and you don't have to care if the tiffin wallah accepts bitcoin (does he accept paytm yet?) because you just need to find one willing counterparty in the entire country
zcash is more difficult to use this way because there aren't as many counterparties