That's the thing. The larger amount of time, energy, and money we spent on doing banking in the 1990s was real. The web, and then mobile apps, made a lot of that more convenient. But it's not impossible to live the old way. You can still write paper checks, go to the bank to make a deposit and get cash, etc. It used to be normal, everyone did it, now it seems extremely inconvenient for most people.

It is extremely inconvenient.

Both because a dwindling minority of people do old things the old way; and because new things (eg Netflix and Uber) are designed for the new way, even if they don't absolutely require it.