I sometimes see elderly people at a grocery store using a checkbook and I think "how quaint" 
In December a local crackhead decided to run a red light and t-bone my 14-year-old truck at approximately 40 mph. When I finally got the check for a replacement vehicle I took it to our bank, but was concerned because my wife currently has a health issue that is preventing her from being able to sign her name. And, since the truck was registered in both of our names, both names appeared on the check as well. I was concerned about my wife not being able to endorse the check, but the kind folks at the bank just looked at me like I was the doddering old fool who doesn't know how the modern world works. A woman who works at our branch whose business card describes her as a "Personal Banker" took me off to the side and explained that all of the financial institutions all over the world are so interconnected these days that they can verify whether or not the check is valid faster than they can verify any signature. I still endorsed it, of course.a check book and cash. at least for me....
I use my iPhone and apps to pay online or use my debit card. some bills get autodrafted out of my bank account. I haven't carried cash on me in years. I occasionally find loose change or a dollar bill on the ground but it goes into a bowl and stays. even the parking meters (that I rarely ever need to use) now accept debit cards
yes, it seems almost devil-may-care with the debit and smartphone app paying. I suppose if one wanted to challenge the charges the banks are covered and insured and willing to listen and take care of things. today's world has changed so much in that regard.In December a local crackhead decided to run a red light and t-bone my 14-year-old truck at approximately 40 mph. When I finally got the check for a replacement vehicle I took it to our bank, but was concerned because my wife currently has a health issue that is preventing her from being able to sign her name. And, since the truck was registered in both of our names, both names appeared on the check as well. I was concerned about my wife not being able to endorse the check, but the kind folks at the bank just looked at me like I was the doddering old fool who doesn't know how the modern world works. A woman who works at our branch whose business card describes her as a "Personal Banker" took me off to the side and explained that all of the financial institutions all over the world are so interconnected these days that they can verify whether or not the check is valid faster than they can verify any signature. I still endorsed it, of course.
And, yeah, since all of this pandemic stuff started I've rarely used cash. Most places don't even ask me for the PIN when I use my debit card, which has been a little unsettling for me but I suppose it's a brave new world.
I don't blame you there. I am always wondering when I'll be next. My oldest had their debit card hacked and $700 withdrawn. fortunately the bank could see how the transaction went down somehow and they credited his account immediately and issued a new card. pain in the butt and scary.
(heck I even have an app to pay and start the laundry machines in my apartment complex so I don't even need quarters! lol! its all bluetooth enabled. )
I still have my Covid $20 bill in my wallet......been there for at least this year. Everything for me is now Tap n Go. Fortunately my wife is a retired project manager and verifies each transaction at least every second day. She runs a tight ship!^^^I flash plastic so often I sometimes omit paper currency weeks on end, just seems more convenient.
Got cussed by a panhandler downtown last week when I responded with a $2 tip-all the cash I had
in my pocket clip-cheapskate ba***rd that I apparently is.
