

I have a concrete and very stupid example.
We got a large gift card as an incentive to renew our lease at our current apartment vs moving. The format they sent it in had no physical card and would only work on either online stores or through a service like Google Wallet AKA a banking app on a mobile device as you mentioned.
So to get groceries while waiting on a tax refund (thanks crappy American economy and taxation methods) we had no choice but to connect and use it that way.
Oh I have lived outside the USA at one point and I’m well aware electricity isn’t magic. There were other places too but Guyana most definitely doesn’t have a stable power grid.
I’m not going to starve my kids over that kind of stance on cash only either though.
I can’t understand why banks are as stupid as they often are. Why would you refuse money from the federal government. What do you think we successfully stole money from the IRS through a direct deposit?