I have been involved with computers since I wrote my first program in 1965. And because of that, I pay for everything with cash, have no credit card, and keep a physical bank passbook in which every transaction is recorded in indelible ink.
When you trust a computer, you are trusting everyone. who might have access to that computer, past, present, or future. In my book, that makes you rather foolish.
LOL... did you call in your post with a rotary phone?