I never said a bank was better, why do you keep pushing that?

Because it's the only alternative for digital payments :-)

You can't really compare digital and physical payments, they both have their specific usage areas. Don't tell me that you're paying your electric bills, your internet/tv/phone subscription with cash or by a mailed invoice (which is still digital via your bank).

I can see you go down to your local big box store and pay them with cash, maybe you have some local farmers market nearby that let's you pay with gold/silver coins. But utilities, no way that you're paying them in cash or gold.