I assume Rose doesn't get out a lot. I also assume she likes the personal interaction. Finally, I DO NOT assume she doesn't want a bank card because I heard her tell the teller 6 times that she didn't have one and doesn't want one. My mother handles it differently. She tells them once she doesn't have one and doesn't want one. After that, if they ask again, she just stares at them and smiles.

As for me, I have a VISA card that I use for telephone transactions with governments or for aquiring goods I cannot find locally. Debit card? Don't need one. I use cash. It pisses me off when the five people in line in front of me buying less than $5 of stuff and swiping a card and asking for $20 cash back. A few weeks ago, the guy in front of me used a debit card to buy an apple. A thirty seven cent apple. Of course, first, he had to find his Air Miles card. Then, he "swiped" wrong and she had to reset... aaaarrrrrgggghhhhhh!