Comment: Fast forward a few years - when there is no more cash

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Fast forward a few years - when there is no more cash

and you have to be paid electronically, and your tax refund is electronic and your SS is electronic - and it is all electronic.

What will you do then? You will have to put "money" in the bank to pay the mortgage. You will only be able to transfer money into the bank from other bank sources(like payroll etc).
Then you wont even be able to take the FRN out to make you feel better.
As long as you have debt - you are trapped. And you will have to have debt.

The gravel is down and they have the pavers warmed up - the road to slavery is just about ready for the finishing touches.