If you ever get to the point where your money can make money for you, you HAVE to use a bank. I don't mean gambling. I mean investing.
Otherwise you're actively being screwed by the federal reserve every time they unleash billions of federal reserve notes (I refuse to call it 'money', though I guess since you can redeem it for merchandise it's still money) into the banks and then the rich people with insane credit lines, your purchasing power decreases.
(see - cost of fuel, cost of food, etc)




I use cash or prepaid cards. Why do I want to pay someone to hold my money then pay them to use it? I don't! I can spend my money freely and whenever I want when it's right there for me to see. Also it's easier to know exactly how much money I have if I can just count it and not rely on a computer that is always wrong.
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