True, but mostly besides the point? I mean, not only can you not freely substitute debit cards or paper checks for wire transfers, but also you potentially cannot even access funds in some savings account, say, through any of those, plus there obviously are many more services that banks provide that have nothing to do with payment, but which are affected by the same problem. Read some bad news and want to sell some stocks before the price plummets? Not today, you have been locked out for security reasons!