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Since finding ePassporte and Paypal I have basically lived my banking life digitally. Sure I got burned a little when ePassporte took a shit, but in the long run I saved thousands over paying wire fees and countless hours not going to the bank with checks.
At one time I had 3 ePassporte cards and 4 accounts and each could withdrawal $5K a day. When they finally took a shit and ATM withdrawals were the only thing working. I helped a lot of people get their money out of that sinking ship. Granted I charged a fee for my services. So even though I lost my own cash that I had in one wallet that wasn't tied to a card, I was able to make way more on those fees helping others.
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