I agree. I'd also say though that it might hasten digital adoption for some things - if a company had to pay extra to send a paycheck, they'd make you sign up f

I agree. I'd also say though that it might hasten digital adoption for some things - if a company had to pay extra to send a paycheck, they'd make you sign up for direct deposit. The lasting effect might be that those who are underbanked might be "forced" into digital bank accounts. That is, until they come to tax email.