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I wish the banking industry would design a better transaction system. The current system is horribly insecure (no matter how you conduct business), and I'm surprised there isn't more fraud. I think it should be easier to do person-to-person transactions too. Shouldn't have to write a check or pay cash for those, or use a take-a-piece-of-the-pie service like paypal. There should be something like ACH, but secure, and can be used by anyone to conduct transactions to anyone else (following regulations etc. obviously).
Most of my bills are auto-charged to my CC. I don't know why people are so in favor of debit cards over CCs. If you're not dumb, there's no difference between them, except with a CC your "credit" improves and (in many cases) you get rewards for using them. I do have my energy bills automatically deducted from my checking account, but that has a cap on the amount they can deduct to prevent errors like that $3,000 bill somebody else mentioned here.
My biggest pet peeve is businesses that won't take my Discover card. Seriously. It's a major card and yet many places that take credit cards won't take that one. My second biggest pet peeve is businesses that won't take credit/debit cards at all. Seriously. Get with the times. These places are the only reason I still carry cash. From what I hear, they're exceedingly rare in Europe.
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"There are finer fish in the sea than have ever been caught." -- Irish proverb
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