Besides, what about checks to people that aren't online, I pay rent by check but all other bills on line. Also, I gift via checks sometimes, or when people want me to donate to their children's fundraisers etc.
give it ten years and it will all be on line or by phone charge (a bit like topping up your pay as you go phone -but it willb e in reverse - paying by credit on your phone - its started here in Kent - you can pay for your parking by mobile phone