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Euro cash

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We are planning to stay in private rooms almost everywhere in Slovenia and have been informed we have to pay cash. I know if you use your credit card in an ATM you have to not only pay the transaction fee of the card company, but the interest on a cash advance from the moment the money leaves the machine. Debit cards are much cheaper, but if one is stolen or you are wrongfully debited, there is no recourse as there is with the best credit cards like American Express. What other solution is there? I know the Euro has been adopted as the secondary currency, but would a small grocery store or private person with a room to rent accept them?

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