Objective: To make sure you have plenty of financial security while travelling,

Which of the following solutions is more sound in terms of naive physics reasoning?

Options are: [-] keep all of your money on one convenient debit card that you can keep close to hand at all times.. [-] divide your money into various pockets, shoes and bags so if one gets lost you have some left..
divide your money into various pockets, shoes and bags so if one gets lost you have some left.