For sure, we made and doubled down on tech blunders. I still use cash or credit cards, refuse to use online/direct bill pay, insist on paper bills, and in gene

For sure, we made and doubled down on tech blunders. I still use cash or credit cards, refuse to use online/direct bill pay, insist on paper bills, and in general avoid consolidation. Low tech payment and paper trails. It’s a real pain in the ass (and the nagging…), until things go very wrong; then redundancy or separation is a godsend.