I pay in cash as much as possible. It's the guaranteed way to disrupt the system. Most people think its so cool to use a pin card at the supermarket and pay everything with plastic. Banks are so, oh, so impressive and respectable. If everyone started using more and more cash, a financial revolution would be triggered. Let the black money and the white money roll! Try to avoid banks, all financial institutons as much as possible. I'm a decrepit hippie.