[danudey]

$12 per month for a debit card, four bank accounts, unlimited transactions, good ATM coverage, branches open until 8 PM every day, friendly service. Sounds pretty good to me.

Also, your suggestion would imply that I should only spend cash, presumably meaning that I take out huge sums of money once a week at the ATM, then spend the week having to juggle cash, change, etc. It's not worth the hassle at all. The fact that debit cards are the most common method of payment in Canada seems to imply most people agree with me.