This is an unbelievably good point. For various reasons I transfer money manually to the account I use 99.9% of the time with my ATM card. I make a really good income since decades and yet 5+ times a year I’ll stop by an ATM and my card will be rejected because I forgot to transfer money to my private account. 28 years ago (in 1992) each of those 5+ “no funds” message on the ATM screen would have been a bounced check. Back then I wrote my share of bad checks, all of which were due to sloppy bookkeeping