@Kevin *******
Who do you think you are talking to? You are rude and arrogant and that's putting it mildly.
I own my own company and conduct business regular and clients and companies need to contact me in the manner that is convenient for them. New flash most companies operate with a phone in an office.
As for the bank, first of all I use a credit card for all my spending, why because it gives me protection. Second I have no fees and the conversion is at the base rate. So what are you talking about me needing my head tested
You make a lot of assumptions about someone’s needs and circumstances when you know absolutely nothing about them. Here’s a reality check: not everyone lives the same life or has the same priorities as you. Just because you don’t do X, Y, or Z doesn’t mean someone else doesn’t have valid reasons for doing so