And consider putting an ounce of silver in the stockings. It can be a single one ounce coin, or a poured bar, or better yet worn down constitutional coins.

Old school guy here: you've got two alternatives:

Every month you drive to the local office for each utility and pay them cash (assuming you've got a local office to drive to for each bill)

Or write a check and mail it in each month. Problem with this one is you're back to square one, as a check is no different than a debit card.