And why should they? Just like there are people that don't read books and that don't watch TV using a computer should not be a mandatory thing. What it could be is a way to streamline stuff but there should always be alternatives.

And older people have enough issues in their lives to be dealt another bunch of hardship from those that they are pretty much forced to do business with. But banks and other institutions have a hard time empathizing with the people whose representatives do not work at the bank.

Banks are rapidly shifting to going online completely, shutting down all of their offices and making it google-level impossible to contact them because that part costs them some money and they only really want the profitable parts of banking.