avoid credit altogether, or perhaps only use it responsibly. Have just a few credit cards

I honestly could care less.

What, then, do you call persistent, willful ignorance despite repeated direct negative consequences?

The only thing worse is the system for paying utilities, I have lived in 3 places only one of them actually had a system to automaticly withdrawn the exact amount I owed them each money. For the others I have to make to setup an automatic payment of what I guess it will be then once a year we reconsile. It is really going to suck this year because of the cold temperatures last summer and this winter.

What if I want to give someone money when I don't have an Internet connection? (Similarly with a wire - I can't believe that the OP of this thread thinks going into a bank is easier than just writing out a cheque, although maybe these things have different names in the UK to the US?) Or what if I don't have the security keypad device thing that my bank requires me to use? Or I don't have access to the strong passwords on me at that moment? What if the bank introduces new security measures, and you can't access the website until then (yes, mad as it sounds, Barclays pulled this one on me, when they started requiring the aforementioned keypad device things). What if the website's "down for maintenance"?

...has become a 'better' legal entity then a normal person

Dalaran