I’m not sure why this article focuses on 18-25 year olds.
I pay the full amount of my credit card every time. By using a credit card instead of cash, I save ATM fees.
I'm in my 50s and never carry cash or write checks anymore. I use an online bill paying service - costs $4.95 a month, but I used to spend twice that on postage stamps. It used to take me at least an hour to do my bills, now it takes me 3 minutes.
Join a credit union instead of a bank - I have NO ATM fees, none whatsoever. It costs me nothing to use my ATM card. I use it everywhere - grocery store, gas station, restaurants, hardware store, movie theater, McDonalds - literally everywhere.
It costs me nothing.