@verafiedairman you sound like the kind of person that has your paycheck direct deposited into the same account that your bills have permission to automatically deduct from
You sound like the few people that would rather complain than to use tools available to make your life easier. I wouldn’t want to be one to go see my employer on my day off to pick up a check and spend another hour splitting deposits into various accounts. I do have minimum payments set up, but I do still manually pay my statement balances at least once per month. A physical card is still required for some online transactions as they require the 16 digit and cvv, but are not require for brick and mortar retail shopping like Costco and grocery stores, so idk how this update work for online shopping that do not have your card on file if the numbers are no longer available.