Honestly having a bank acc only to pay bills is the best choice... But I can't after what I lived.

Also without cards your "purchase power" goes down af but fuck it, i don't want to be a slave of a bank that will fuck me without a word.

That's why I said they don't lose (cause the country needs them) and they are inevitable (if the law or security situation in your country makes you go cashless, also the gov needs them to pay).

I'm trying to be out of that part of the matrix and that means I have to wait more and save more to buy kinda expensive things. Also i decided to not buy big things like cars

To make it easy: i lose more than what I get but I can't and won't trust banks. They fucked us long time ago and they are still making crap tons of money.... But not from me