I have had bank accounts only with credit unions for the last 20 years. I have never found a need to open an account with one of the big banks. That said, people look at me like I’m crazy when I mention this.
Can a robot follow your instructions ? When you come back from your walk, can you shout from outside to have it open the door ? Can you also shout from outside to have it pack up the valuables and hand it over to you ?
I had been a customer of Amazon for almost 20 years. I had Prime since day one. For me the breaking point was when they increased the fee and then decided to have ads for Prime Video. I sold the few Amazon stocks I had, and canceled Prime.
I found after I canceled Prime, my Amazon spending significantly went down. Sometimes I will add something to the cart, look at the shipping fee, and decide to abandon the cart. Canceling Prime made me realize I was ordering a lot of junk I didn’t need.
My experience is very similar. I believe there are two primary reasons for this:
1. People are wealthier, and wealthier people tend to be more independent.
2. Population density is higher. Places with lower density, such as villages still tend to have that people to people connection like in the old days