Don't think of Online Banking as something that just allows you to not go into the bank, if you do, you're thinking in terms of a first world experience. There are billions of people in this world who have no access to banks, or would not dare trust their money to unregulated and corrupt individuals that head these so called banks. Heck, I have in-laws that keep the bulk of their money in a stove on their balcony of their apartment...and that's in Kiev, Ukraine!