Sorry to assume where you're from, but I'm guessing America (either North or South)?

In EU you could pay for all those things with a quick and free bank transfer for any amount, so you wouldn't even need to withdraw and travel with all that cash on you. There's no "bank fees", there's no "bankers" to keep out of the transaction, because they don't take any fee.

In Germany even with SEPA it's very common to pay for huge transactions with cash. People don't trust electronic payment for "critical" things

So with the "convenience" of the free bank transaction what do you give up? There is no free lunch. Somebody pays for that "convenience". My guess is you pay with a loss of privacy from the government and the corporations that run the program for the government. Why would they do that? What is in it for them? Are they your public servant or have you become a governmental pawn?

> Because I pay cash and keep the bankers out of the transaction it costs me less and it costs the seller less.

Other way around (in the Netherlands, which is the subject), bank transfers are free but depositing cash as a business costs money. Paying cash costs the seller more and holding it has a risk of robbery.

Use of systems is never free. It might be subsidized, in the which case bankers would greatly appreciate more transactions on the system, but it is never "free."

It costs some money to have a bank account, bank transfers don't have a fee associated with them. Card processing costs a small fee.

Cheaper than handling cash though.

And those rates are increased when the system becomes more expensive, whether directly to bank fees or indirectly by taxpayer subsidizing.