Quick quiz:
In 1989, when in Munich, Germany I could not get any merchant to take my checks. Even the banks were reluctant as they sent me to their competitors. There was only one bank willing to cash them for German marks, long before the Euro was conceived.
American Express closed their offices here years ago. If you want to cash a traveler's check, you have to use Western Union or UniBank. Both will lovingly toss you upside down to see how many coins and bills will fall out to collect their fee for the aggravation of having to deal with your travel paranoia.
It is time to play grown-up. If you are going to travel, use your intelligence. Alternatively, that means don't do stupid things. The partner of one of my private students recently visited Athens with 1,000 Euros in cash sitting in his pants pocket. It was with him at the airport on arrival, but someone took pity on the heavy burden he was carrying and relieved him of it. They tried to believe he forgot it at home in a different pair of pants to spare the anguish of the short get-away, but once home, there was no cash.
The value of an ATM card is priceless.
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