Of all the kinds of automation you could choose to argue against ...<p>There will always be a need for people lending money to have salespeople, loan adjudicators etc. But interacting with the teller is only necessary (or enjoyable) for certain demographics. For most people it is no fun to wait in line to get your $100 while the tellers chat away (&quot;quill and pen&quot; indeed).<p>As far as the cashless society goes, I reckon the effect on the poor would&#x2F;will be far worse than the effect on consumers of retail banking services.