I've never had a problem at Banana Beach but even still I excercise common sense. I carry very little if any money in my beach bag which has a handle that comes untied and can be tied around the beach chair leg. You can charge drinks etc. to your room at BB so you really don't need to carry cash. If you do, I use a waterproof cylinder around my neck. I've left a towel out there for an hour sometimes while I wondered next door to the squirrels nest and no problem....