It's nothing like that here in my part of the US, fortunately. I am becoming increasingly aware at how lucky I am about this in these comments, though! As I said in another comment, if I had these obstacles, it would absolutely alter my response to this.

I don't pay my bills at a bank or bank website regardless, there is no surcharge for going to a bank's physical location, and I don't have to make an appointment.

And people who go to branches aren't exclusively elderly and/or technophobes -- but even if they were, what does that matter?