If people are able to buy Dangerous books in SECRET, the terrorits have won.

I find cash-money to be smelly. I hate the smell. Credit cards, on the other hand, don't smell bad.

Seriously though. If you lose your credit card, 'sno big deal. Get it cancelled and re-issued, and it's all good. Cash though... that's gone.

At the very least, I think cash will evolve. Right now though, it's an old system. That's why we have credit cards and checks and whatnot - cash is a P.I.T.A.

As for low-cost banking... check out a credit union too. You might have to jump through hoops to get in one, but being a member is niiiiiiiiiiiiiiice.