Scenario: Your in the mall with your kids, you go to purchase food for you and your family, there is a huge line of people behind you. You go to use your card and it gets declined (insert whatever reason). What do you do? If you have this little item, with a $100 bill tucked inside, your family is happy and you are saved from looking like an a-hole for not having cash to pay for your food. Nor will you bum for cash for gas to get to your destination. Perfect for " Get out of Trouble Money" or a cab ride home from boozing at the bar. Great item, I never leave home without it because it's attached to my keys, and so I will always have emergency cash. Buy it, it just makes sense.