I am able to live without a bank as much as I can. Cash is the best alternative to choose in my country so far, because the banking and financial systems aren't 100% developed yet, with lots of people earning a living in the underground economy. Commerce and exchange by individual economic agents (not companies or government) are done, in most cases, using cash or through means like digital wallets from telecommunications companies such as Tigo or Claro. I do have a bank account, but I only use my card when I need to purchase stuff online, stuff from overseas which I can't find where I live.