Yes, almost everything has become “direct deposit”
Govt checks, social security, military pay
People never see “their” money, it goes straight into...a bankrupt bank (mine is Bank Of America)
I think keeping some easy-to-touch cash onhand is becoming a good idea. Also keeping the car topped up with gas and some survival supplies (water, energy bars, candles and fire making, water purification tablets and for us - Dog food!) having road maps to get to a safe place with family support system inplace, via secondary routes, if that is an option.
Do you watch the Karl Denninger Market ticker blog? Has useful information
My neighbor snickered when I told him I had 13 months worth of dog food stored away. He's the same guy that bought 15 cases of canning jars and $450.00 worth of other canning supplies the other day.