Yeah, you're a paranoid fuckwit. Bank with a non-abusive company and don't be a dumbass.
If you're using a bank, you're using an institution that is probably trying to fuck you. Don't do that. Pick a local credit union instead. Better service, better rates, less ass-fucking. My wife and I both push a monthly amount to a joint account which is tied to our bills and debit cards. I noticed fraud on that account recently. Went to the credit union at lunch, told them that I didn't know what card it was on, they figured it out, (mine) put the money back, shredded the card, printed me a new one, and I walked out of there 15 minutes later.
Their online banking is the shit. We do our banking through their portal most of the time. And that includes their free, scheduled, repeating if necessary bill payments where they format a check with your account number on it and mail it out. And do electronic transfers with some companies. "Only use checks" lol, how quaint. We have our payees set up in the web portal. Log in, click "Utilities", enter the amount, click send. Done. Check is in the mail the next morning. Same with mortgage, student loans, cell phone, etc.
I used to use big banks, but they spammed me, fucked me, and generally treated me like shit. I moved to a local friendly place, and they treat me like a king. It's amazing that you recommend using fucking Walmart and pre-paid cards and cash. Those can be lost and stolen. And if they are, you're SOL. And pre-paid cards have overhead.
If you have any questions, let me know
If anyone does, it's going to be why you aren't taking your meds. The fuck is wrong with you? How did your world get so broken?