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I have bought those so seldom that the mild inconvenience of writing a check isn't that big a deal.

Health problems prevent me from having the kind of fun that requires more than the limit on my ATM. Plus, the ATM cards are appreciated by businesses, they cost the business less than credit cards do. I do have a card on my brokerage account, but that's for emergencies. I haven't activated it over the past 18 years.

When those junk fees came out, I saw the beginning of a massive scam, high junk fees encouraging people who'd overspent to pay the minimum month after month, interest continuing to accrue, keeping them in debt forever. I was right, too. A lot of people did run into trouble with those cards, especially since falling purchasing power meant they had to use them for essentials.