Jaxjacky
It depends Cariad, online banking was introduced when I was well past entering adulthood, but I use it all the time. With the significant reduction of high street banks, closure of some rural post offices and significant reduction of commerce accepting cheques people do have a choice. But that choice could be embrace the change or come to terms with significant difficulty managing your banking for some.
I don't do online banking personally - mainly because I don't trust it as to whether thieves could get into it. Most of my bills are on direct monthly debit and I pay for the odd thing with a credit card and then pay that off monthly.
One of the plus sides of the area I live in is it's still a "cash culture" to a large extent - I can only think of one place where they demand card payment. Everywhere else will take card and/or cash.
The bank part is problematic - as I was used to my bank being in the High Street and walking into it any time I went through the city centre and needed access to it. I've not got that any more - as there was a branch in town I'm now in - but it had gone before I got here and so I'd have to go to a bigger town (choice of 2) to get to a branch physically. Fortunately, it's something I rarely need to do and I get my cash from the post office locally or there's a "corner shop" I could get some or stop going along with Tesco pretending they don't give cash back any longer (oh yes they do - but one has to go to a customer service checkpoint there to get it - as they don't do it on the tills any longer. Reason - because they're trying to pretend they don't do it any longer).
It suited me to open an account with that Welsh building society - which has a branch nearby and specifically only operate with cash and cheques still deliberately - because of the refusal of many of their customers to do otherwise I gather and they won't take payment by card or phone. So I asked them the other day and turns out that, for the very occasional cheque any of us still get these days, they will pay a cheque in our name into our account with them. Wish I'd thought of that sooner - but it saves a stamp sending it back to my original city branch (as I won't go to one of those two bigger towns if I can help it - as it's a right hassle on one of the infrequent buses here).
Basically - I manage 99% of things in this town in the way I have decided to.
When it comes to tradesmen here - none of them seem to have card machines. But 99% of them take cash or a cheque. I've only had a problem with a surveyor visit one time - as he only does online banking and we landed up with agreeing I'd pay him half in cash and half by cheque (fortunately I know at least some people can pay in any cheques they get over their phone - rather than having to go to a branch of their bank).
With this town being well-known as being what many would call "behind the times" - then I would think I'll be okay for the estimated 10 years I'm due to have left statistically speaking (ie from 72 to 82). If I wanted a long life then I might be more worried - but I don't....so 10 years it is basically.

