20 years ago I wrote software to automatically scan paper checks, OCR and MICR data, and then do ACH transactions... After seeing all the problems and insecuri

20 years ago I wrote software to automatically scan paper checks, OCR and MICR data, and then do ACH transactions... After seeing all the problems and insecurity in the banking system I now keep at minimum of 1 month of expenses in hard cash in my safe at all times, and I have multiple accounts at different credit unions, and I stop using banks completely.