Disasters happen. On my last trip to Tosh, I faced one of such disasters. Heavy rainfall created the flood situation and the Manali-Delhi highway was swept off. I had to extend my trip and pay extra for the stay and ride back to Delhi. Not just this but getting robbed and losing cards is one of such disasters that requires you to carry an extra debit or credit card. Carrying an extra card will help you to stay connected to your funds even in case of a disaster.