when i travel, i carry my wallet, of course. but i always leave some money in between my clothes or somewhere in my bag, secret pocket or something. so if i ever lose my wallet, i still have cash. also, my traveling wallet should only contain the necessary items, but not all of it. like, if i have 3 credit cards, i only bring 1. in case of digital camera, i don't bring the very expensive kind, so if i lost it... i won't really have that guilt.