maybe its just my hood upbringing but IMO u should never carry anything you wouldn't want taken away from u at gunpoint
if ur carrying a purse u might as well be carrying a sign that says I have a big bag of money and very important personal items in there
and if I'm a goon looking for someone to take advantage of you're looking like easy food at that point.
So carry no more than $40 of paper cash in a wallet and everything else plastic that can be easily canceled with a phone call
Anything more and ur just asking to get got.
and no one will feel sorry for you
Streets gotta eat