...and I’m a sexagenarian who uses online banking but prepared to survive without it.
In 1963 the Boy Scouts told me *Be Prepared*. They didn’t tell me when to quit.
It’s unbelievable how many people now (across all age spectrums) that aren’t self-sufficient and are clueless about basic needs.
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If online banking goes down, it's likely that the banks will be down too (not temporarily talking temporary online outages). The systems are closely tied together. Plus, online banking has around a 99.8% uptime.