this post was submitted on 19 Mar 2026
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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 a choice alright, I chose to withdraw all my money and cancel my bank account like 11 years ago, because my bank refused to accept my tax return as a direct deposit. TurboTax had to reprocess it and send my return as a paper check after the bank refused a fucking direct deposit!
Besides, when the electricity goes out for two weeks after a hurricane or other natural or manmade disaster, how you gonna get groceries or gasoline with electronic money anyways? Give me a paper check to exchange for paper money, paper money still spends even when the electricity goes out.
If it's a service that only deals with electronic transfers, well I ain't signing up, and you can just keep that gift card if it requires an app to even use.
Every single day I assume that tomorrow there might not be electricity, it's amazing to me that people have come to rely on it so much and assume it'll always be there.
Ask anyone in Cuba how that's going right now...
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?