The ability of citizens to buy essential goods such as food, water and fuel increasingly depends on the proper functioning of the banking system, which can be subject to external attacks, put under pressure by different types of crises, or used as a control system. The new rules, which aim to move Europe more and more towards the digital currency and further away from physical money, and to centralise the financial system in a single body, risk becoming an extremely delicate critical point in the event of a crisis. Society must be able to survive if the economy collapses and the banks are put in trouble and can no longer pay their debts to the citizens. The digital currency can be the target of hostile cyber attacks, the victim of energy or network blackouts, governments under the pressure of a crisis could block liquidations above a certain limit and weaken citizens' freedoms, an authoritarian takeover could block the current accounts of opponents, who would be forced to desist, or prohibit certain payments. In addition, the transaction systems are highly dependent on American companies such as Visa and Mastercard that at any time could revoke their services to any citizen or state for political reasons, risking to lead to the collapse of a very important system in society. It is necessary to guarantee access to cash and a minimum amount of money for crises of various kinds.