FranP
Yes, I am smart enough to teach young children to read; I am smart enough to pay cash to the little local businesses for small amounts so they do not pay punitive bank charges eating their small profit; I am smart enough not to put banking app on to my phone, which I am constantly putting down/leaving at home, and which would work badly in my local supermarket (yes I have to stand behind some young person who take ages wandering around to get the signal for his loyalty card and then banking app (sigh); I am smart enough to use phone/in person banking, cash and manned tills because use it or lose it comes to mind.
Sounds more like my way of thinking.
Fortunately where I live now - I can only think of one (maybe two) places that don't take cash basically and I know they often appreciate I'm paying them that way usually.
I'm smart enough to think I don't do online banking or pay by phone for things and it would be way harder for a scammer to try and steal any of my money from me.
I'm smart enough to be well stocked-up with all sorts - so if Society stops working for a few hours...even a few days = I can manage. Or in the case of living in West Wales having its frequent heavy rain and/or wind = I don't have to go out regardless to get anything - I can just stay in the warm and dry and wait it out.
I always use in person tills at the supermarket - after all I've been there/experienced that re employers trying to save themselves money at the employees' expense.
