"As cheque books are phased out, pensioners who believe in "real money" are more and more likely to carry cash, with all the security risks that this involves. Special rates for on-line payments (including the escalating fuel bills) are penalising older customers financially, and I'd argue equally importantly, in unnecessary loss of independence.
Anyway, I asked Mum what SHE thinks. These are her words, typed up on her computer (no, she doesn't tell you that bit!) but she had forgotten how to "save" it and gave it to me printed out…."