Dave Ramsey is right — use cash!
I’m not sure that Dave Ramsey said that people should use cash for privacy reasons, he probably meant that cash can help with personal spending discipline. However, cash is now absolutely necessary for privacy. You can also get discounts by paying cash.
During the Great depression people hoarded cash in their homes. It wan’t just because of bank failures, it was because of fear of confiscation. And of course gold bullion was in effect confiscated by FDR for paper currency trade in.
The government is trotting out that air head Suzie Orman to encourage people to keep their money in banks. Great, just sitting there for government confiscation.