??? ??? ??? ?? ???? ??? ??? ?? ?? ??? ???? ???? ??? ??? ? ???? ?? ?? ????, ?? ?? ?? ?? ?? ?? ??? ???? ??? ???? ??? ???? ?? ??? ????? ?????? ??? ??? ? ??? ?????? ??? ?????.?? ???, ???? ???? ????? ???? ???? ????, ??? ??? ??? ??? ?? ?? ?????.· Use as an crisis fund when it is actually hard to use other payment techniques which include funds or credit