Definitely an eye opener, the sad part is that there are some services one wants/need to use that require a bank account (e.g. GCP or AWS) they don't take cash or even visa cash give cards. Does your local power company take cash? Car lease payments? Mortgage? It's the opposite they want you to set everything on "auto pay" for "your convenience" of course. Personally I'm trying to reduce my dependence on banks but its hard... We are in deep $&@^# on this one...