Comment by CalChris

I use Zelle all the time but with people I know. In fact, I can't remember where my check book is. I use Apple Pay all the time and I use an actual credit card about once a month. I use cash at one place, my taco truck of choice. And for the record, I've never touched bitcoin.

I've used PayPal and Venmo but I don't see their utility now and prefer Apple Pay.

All of these modern tools have their benefits and risks. I got burned for $40 on Zelle for a bike part. It was a $40 lesson.