In the early 90's, in South American cities, people used to keep Dollars at home, then exchange them for their local currency on their way in to work each morning. The money changers would hang out in the medians of the roads heading into business districts.
People probably changed as much money as they would need that day, and no more. No one wanted to hold their own currency overnight...
Hard work often pays off over time,
but laziness always pays off right now.