"What is the point of a money belt concealed under clothes? Do you access it and for what?
Every time you need your credit card, do you sneak off and go into your money belt?
If you have a safe hotel or a safe in your hotel room, why not leave things there?
What do people carry in that money belt and what do people not carry in that belt?"
I am a solo traveler. I have with me 2 debit cards and 3 CCs. If I am going to get money from an ATM I put one debit card and one CC in my small wallet in the zipper compartment of my purse. My passport, extra CCs extra DC, Global Entry card go in my money belt. I also keep my cheat sheet of passwords in there, lol. If I have just been to the ATM and have a couple hundred in cash, I keep out about 50 whatevers and put the rest in the money belt. I don't need easy access to anything in my deep storage money belt.
I have 2 debit cards because I've had one not work on a trip so now I carry two. I have 3 CCs because I alternate charges between 2 of them and have the 3rd just for the credit limit on it. I only carried 2 until the pandemic then thought I might need a higher credit limit if I wound up being quarantined, had extra hotel charges and perhaps a new airline ticket.
I don't use hotel safes. They are easy to break in to. I would also be stressed that I might leave something in the safe when I left. I also want to have all valuable papers with me in case an emergency exit from a country needs to be made. I know that sounds paranoid but...suppose your hotel was located in an area with a natural disaster or terrorist event and you could not get back to it? With my CCs, DCs, money and passport, I can go anywhere.
This is a diversion but I was in Yellowstone last June when the floods happened. There were people who were staying at some of the hotels that had gone out sightseeing for the day and who were caught in road closures, not allowed to get back to their locations and had to leave their stuff in the hotel room when the park closed precipitously. They were allowed back in in about 10 days to pickup their stuff. In all my yearly visits to the park I'd never imagined that there would be such a wide-ranging closure. Except for the fires of 1988, there never had been. Completely unimaginable. Until it was.
I will add that I was pickpocketed on the Metro in Paris a few years ago. They did not get anything but my pouch of OTC meds. I will say that I nearly had heart failure when I noticed my purse had been gotten in to but did not go thru anything until I got back to my hotel in private. Here is what I posted at the time:
https://community.ricksteves.com/travel-forum/general-europe/oops-sort-of-pick-pocketed-on-paris-metro-yesterday
BTW, I am always happy to answer questions about what I personally do which might not work for others. This forum is a place for all kinds of questions and no one should feel embarrassed to ask anything.