It is the same about my choice not to have a Debit or ATM card. It is a personal choice. Sorta like not having a cell phone due lack of coverage in my area. Why pay for something I can't use. What worst some government agencies demand you to give them a cell phone number. I use BR-549 in those cases and then they call the home phone and complain that the cell number is no good. I wonder why....Hee Haw.
And you have to have either a checking account, debit card, or credit card to business with some companies like Gray Bar (Nick named "The Gay Bar") here that won't accept cash. Same thing with Grainger. They don't don't even have a local bank account according the salesman. So I reckon US Federal Reverse Notes are no longer good.
In today's world you have to have either a Debit or Credit card to do business with some companies.