I use to work for BOA and we were really pressured to get those cashing checks to sign up for a checking account, the selling point was if you lose your cash, no way to replaceit, if you lose your debit card, you can replace it without losing your cash. It is safer. You have fraud, the bank will conver it. The thing we were not to tell the customer was that there would come a day where all financial transaction would be electronic, physical cash will be a thing of the past. It was really I.portant to get people use to using their debit card instead of cash. At the time, I didn't realize how scary this was.