As a 911 operator, I hate the SOS function and it has just gotten worse. Between this and the “car crash” detection, I spend 40% of my work day tracking down false alarms, often at the expense of using resources for actual emergencies. If I ever meet the person who decided to turn on the SOS function by default, I’m going to punch them squarely in the nose.
If your purpose for using cash or Monero is privacy, that’s fine. If your purpose is to avoid paying fees to third parties just for the privilege of paying by a certain method, the swap service just takes the place of Visa/Mastercard.