90's kid here. I once used an auto-pay system where the $5 charge for "convenience" went through, but the actual payment didn't. It didn't even attempt to notify me about the failed payment, and I had more than enough money in the account. Bank didn't even have a record of the payment being attempted. I got hit with $300 in late fees.

Since then, I pull out an honest to God typewriter and type up a check. I cackle with glee at every key I push with full force, knowing full well a human being has to be paid to physically open the envelope, read the paper, and retype the information into a computer. Plus, I get to support the Post Office.

In Australia the consumer laws don’t allow banks to charge fees that don’t reflect costs. Online transactions are cheaper than checks to process so the fees are cheaper. Full stop.