Me too...love my online banking... can pretty much transfer anything to anyone anywhere! But of course there's still offline businesses using checks, and that'll stay like that for a long while I'm sure.
"We keep as much money as reasonably possible in PayPal accounts, because you can't beat the interest rate (currently 3.5%)." - I didn't know Paypal charged an interest rate... For me Paypal is my 'play money' account...I allow myself to go to town a bit with that account.
In a world of instant online banking it's important to (now and then) get out of your home/studio and go meet people face to face! But I'd prefer doing it all online.