It is entirely optional.
It is entirely optional.
This doesn't mean much. I know multiple people who fit this description, live in the US, and can't speak or read English. However, speaking English isn't meaningfully optional. You will face constant limitations and problems in every aspect of life. There are people who don't use electricity, so I guess by your definition that's optional too?
> I never think about not having one.
Sure you don't.
A major downside of this is that if someone did figure out how to withdraw a bunch of my money from my account, I wouldn't notice until I go to the bank, which I only do once per month or so. I wish my bank had an option to send me an email on every transaction, but as is I have to go to the ATM and request an email with the recent transaction info.
Partially as a result of this limitation, and partially because I enjoy playing the "Where's George?" game (which involves using cash), I pay for everything with cash and only use my debit card for withdrawing cash. I've heard that it's possible to get an ATM-only card for this purpose, so I will probably do that eventually, so that if someone gets my card information they will not be able to make online transactions.
Seems very country / region specific?