Assuming that your backup isn’t also infected.

Doesn’t have to be in the bank either; if you’re traveling with your life savings in cash, then if you get pulled over cops are likely to seize that money. Just because fuck you, that’s why.

I never had a chance to try Earthdawn, but it looked like a lot of fun.

I’m a fan of old-school Shadowrun (2nd ed.); it didn’t matter how bad-ass your character was, you could get killed by a lucky shot from a punk with a zipgun. It kept the grime of Cyperpunk, and added fantastical elements to it. IMO, it required more role-playing than is strictly necessary in a lot of D&D games, because going in guns blazing all the time was almost certain to lead to death; properly played (IMO), the GM should be brutal in how they handle stupid players.

The downside was so many six sided dice.