I believe craig-grant idea sounds great - especially with the debit card. However, single option alternative may also mean putting all our eggs in one basket, and that may be dangerous since someone else controls the debit card operation and feeds into the traditional banking system that we would like to avoid. So we are going to be safer with multiple deviant options that aren't controlled by one source - the banking cartel. So I'm favorable with the debit card and other options as backups.