You’re not looking very far then. It’s obviously not something that interests you thats fine nobody would force you to use one. But around 25% of the UK use one and thats not because they dont have rules for pots or any reason about tidiness.
I’ve answered plenty including reasons above and never once mentioned tidiness as a reason. You don’t understand why - thats fine, nobody would force you to have one.
I can expect a bank to act like a bank, rather then tell me they think they can do it better but don’t in three years.
The recent April presentation talked about how only a small % were paying salary in. With CASS and apple pay given as reasons. And whilst i think that will account for a chunk of people i suspect the main reason is because its still too similar to a prepaid card and that its generally still a bit much of a compromise on some fronts.