And there's no fallback for when you have to make multiple payments and don't have the cash on hand already. There's no fallback for an ATM outage where you can

And there's no fallback for when you have to make multiple payments and don't have the cash on hand already. There's no fallback for an ATM outage where you can't withdraw the cash. There's no fallback for a communications/network outage at the bank where they can't query your balance and withdraw funds for you. There are problems with any system. This one has the advantage of convenience.