There are ATMs EVERYWHERE! Banks, convenience stores, gas stations. Plus, you can withdraw from those ATMs even if you're not a Chase Bank customer. And many banks will refund any fees charged by the ATM network.

Local electric is a better example, but there's no such thing as a local monopoly for banks anymore. I have nearly all of my banking assets in non-bricks-and-mortar banks.

So then you don't use credit cards with major retailers (or scammy, smaller ones)? Don't pay bills online? Don't access your bank account online? Don't send e-mails with private information?

Of all of the things I do, I have to say that what lives in my Google Docs account is the least I'm worried about. and I put nearly everything in Google Docs. I'd be much more concerned about my Gmail account being hacked.