In all truth, I carry a one dollar bill and two dollars in change. That is it. The debit card is stashed away. My credit union acct is paperless so no checks. I keep a credit card for emergency use hidden away.
I just don’t spend money willy nilly. That is prolly part of being a Chef. Know where you money is going and how long till you get it back.
Sadly, another local restaurant went away because they didn’t know how to keep the books. Happens every day across the world. There is no such make it and they will come as a rule. Sigh