Look, I'm not trying to convert you. You can keep using a piece of chalk that is crumbling in your hands to keep writing, but eventually it runs out. Either get Bitcoin, or have fun staying poor. Trying to memorize bank account and routing numbers, passwords, and usernames, authentication apps, and emails is definitely harder than remembering 12 words, so I don't really want to hear how the current banking system is more efficient or easier. It truly isn't. People just skip over all of the stuff they already know how to do, because they don't have to relearn it.