Since my Dad died a few years ago, I've been helping my Mom with her finances. She has zero computer skills. My Dad did all the bills and did everything the old fashioned way. They would spend hours handwriting checks, stamping envelopes, or sitting in line or on hold forever to speak to a live person at a bank, a DMV, or Social Security office, etc.
I setup all the bills for my Mom to be paid automatically online. She still thinks it's black magic when she hands me her paper bills and I tell her they are already paid! Once I deposited a check for her by taking a picture of it on my phone and showing her how her bank balance immediately increased by that amount - on a Sunday afternoon. By the expression on her face, you'd think she just got abducted by a flying saucer.
Anyway, my point is that some older people will never become computer literate. They just have no inclination to learn. So hopefully they have somebody they can trust to navigte this world for them.
I have written checks since 1958 to pay bills.
Still do so. NO BIG DEAL.
Have paper bank statements & have records that last-—
IF IRS gives you grief over something-—the banks DO NOT have those records easily available back past certain time periods.
SOME BANKS ALSO CHARGE A FEE FOR EVERY TRANSACTION WHERE YOU PAY BILL ELECTRONICALLY-—EVERY MONTH FOR UTILITIES, FOR EXAMPLE.
I WANT TO SEE MY BILL & PAY IT MYSELF...