Not you're not, but maybe the UK is different. I too have multiple bank accounts, mainly because in the case of bank failure your deposits are only guaranteed

Not you're not, but maybe the UK is different. I too have multiple bank accounts, mainly because in the case of bank failure your deposits are only guaranteed up to something like £80k. Also, in the UK basic current accounts are free, I doubt this is the case everywhere. I still have one main account that my wages go into, and all bills come out of. The other account is just a backup.