Yup. This is why you should always have emergency cash on you, or even better, crypto.

They can still track everything you do with bitcoin, but it's much harder on something like monero.

The problem with a cashless society is not only that you're not in control of your money (it's trivial for a bank to just freeze your account at a moment's notice) but negative interest rates. Negative interest rates mean that if you have 10k in the bank, and the interest rate is -2%, you pay the bank $200 for holding your cash, in addition to losing value from inflation. They've tried this before in Japan, but thankfully people just took their money out in cash and hid it in their mattress, so it didn't last long.

But if they get rid of all cash, how do you keep your savings? Buy gold? Have you got a gold holding loicence for that, mate?

I have been converting my crypto mining gains into gold for years. You can buy it in 1g lots.