2008 was certainly bad. As for getting rid of cash, I'm confused by your comment. I live in Europe (UK) and have free banking; free, less than 2 hour online tr

2008 was certainly bad. As for getting rid of cash, I'm confused by your comment. I live in Europe (UK) and have free banking; free, less than 2 hour online transfers; free debit and credit cards; and free and convenient contactless payment. So does everyone else. Not having to carry cash is great! Part of me wonders where the banks are making any money, but there are mortgages I suppose (and 2008).