I am already dealing with late fees because paper checks never seem to get there on time. I hope that I never have to deal with Direct Withdrawals, but am perfectly willing to pay online if possible. I do, however, feel very sorry for the folks who do not have the knowledge or technical ability that I have. I have many clients who don't even own a computer, let alone know how to operate one. I try to assist them as much as is humanly possible. How far are they going to try and push us and how far are we willing to be pushed? Hopefully, humans will always remain superior to A.I.