Just to offer a different perspective, I have almost never used a safe.

I do only carry what I need for that particular outing, and also keep smaller amounts handy and larger ones separate if I must carry more than a couple thousand J. I bring more than one credit and debit card so there's backup of both should one be lost/stolen/compromised. Also handy to have more than one bank account when ATMs limit daily withdrawals.

Has worked for me for many years.