World without banks

I dream of the world without banks, institutions which don't do anything useful but suck my money and get on my nerves. If nothing, they could be a bit more flexible - who has the time to go to the bank to change the phone number, especially if that person lives on the other side of Europe as if it would be a such a problem to change it online. Who wants to pay them money just because they're running one's account but actually doesn't do anything with it? But the worst part is that one has to have an account....
What's the point of having an account if you cannot use it? I really hate the fact that my CZ account is more or less useless but I still pay them money for keeping it. A huge sight! Can't wait to cancel it in December! Hopefully they won't be such a**holes like in KB where I had to wait for 3 weeks before they canceled it.
And the most annoying part is that I cannot shop online for Charlie in CZ and that sucks!

Yeah, I feel a bit better when I put it on the paper.

P.S. It was snowing today! Kinda cool! The kids were super excited. :)