100%. The account linked to my debit card is empty unless I want to make an immediate withdrawal at an ATM. This being 2022, I can transfer whatever funds are n

100%. The account linked to my debit card is empty unless I want to make an immediate withdrawal at an ATM. This being 2022, I can transfer whatever funds are necessary into the account in a minute or two using an app on my phone. I also have a separate checking account for linking to external services like Cash App, Venmo, or third-party bill pay systems. Again, the account remains permanently empty except for the brief window where I'm moving money between these services or paying a bill. Given how quick and painless it is to transfer money between accounts, leaving substantial amounts of money in accounts linked with mechanisms that can remove that money is insane to me.