Even I'm too lazy to do all of this to collect a few dollars, and I know exactly how to do it, rather just risk getting rugged
Discussion
I don’t see a problem with that if that’s how you economize. We will never “ban” banks or banking services, they have demand for a reason. Optionality and honest, open, legitimate money services is the end goal.
Thankfully I did it just before becoming a father. No way I would find the time now 🤣