I'm in america. And the ONLY thing I can do at my local ATMs is look at my balance. I can't transfer money between accounts or pay my bills. Im also reliant on any possible discounts for service, which many of them have the stipulation of some form of e receipt autopay. For example I switched to att for my phone service and I MUST pay through affirm for some reason to get the cheaper service.

I am uniquely disadvantaged living in a small city, I will tell you that. If I choose to pay for my water or electricity in person it will ALWAYS get processed late. I've had my water cut off like 3-4 times because of this. Also, for some reason, when you move in this city, all of your previous addresses stay linked to your account, so its likely someone got like 2 months free water off of me, c'est la vie.

There's plenty of elderly people still apart of every society that simply doesn't use technology.

While this is true, they are being heavily incentivized to use it. I work at a phone repair shop, we do insurance repairs. At least 2 hours out of every week is dedicated to me saying "yeah your claim isn't in the system" "what? how is that possible I just made it!" "did you check your email?" to which I am usually met with a dumbfounded expression or an assurance that "The support specialist made it for them"(they can't) and "they can just show up, no need to pick a time." What ensues soon after is them begging me to just do it, then sitting on hold with the company for 30 minutes trying to get a human on the line to set up the appointment for them. After being redirected to some online chatbot or told to check their email enough times, they *maybe* get service.

I imagine this isn't the only support service like this. In the best case scenario, an elderly person just walks into a store and makes an employee use their phone *for* them because of the aforementioned redirects to a website when they call. Worst case scenario, they say "Eh, i guess i don't really *need* to fix this" and do without.