So yeah that sucks, but... what does that have to do with the concerns being discussed here?

Digital banking in some form is pretty unavoidable for me unless I want a "live in the woods" type lifestyle and all the consequences of it. And I don't even live in the UK where they've embraced it more. My mortgage was sold to a very distant company and we've had mail problems. My dog recently needed middle of the night surgery and they wouldn't start without payment that exceeded normal cash reserves + daily.

Yes, all these things suck, but shooting digital banking in the knee without a solution to all that isn't helpful.