I may be the only person left on Earth who still carries cash. I don't like to bother with ATMs, so I sit down with the GCT Handbook, figure out how much I'll need for tips, add some to that amount since there's always more tipping, and add several hundred more for souvenirs, coffee, snacks, etc, and put it all in a money belt. I paper clip the tip money for the guide, so I don't dip into it by mistake. Yeah ..... I tip the main guide in American money. I figure they're always at hotels and banks, anyhow ..... and I do add a little extra for the inconvenience.
I'm not much of a shopper, but, when it happens that I do make a big purchase, I use a credit card.
I also put my passport, driver's license, and credit card in the money belt. It's not uncomfortable and I usually forget it's on.
Once, on a trip, someone reached into my purse and grabbed my wallet. All they got was my daily money - about $10.00 in local cash. Still, it was upsetting, and now I carry a purse with a zipper closure.