Hi mate. I appreciate you being diplomatic, thank you, but here goes-
I assure you that -
I’ve not had a bank account for 30 years.
I am most definitely a self employed cabby.
I owe no money to HRMC.
I’ve never said I don’t use bank accounts- if I want something quickly off Amazon, one of my mates or kids orders it, and I pay them the cash.
I’ve had some really good jobs that have paid my salary into other peoples accounts, and my son pays for Sky in my house (which is the only bill from my house that is not bank account free on my part).
I’ve refused job offers (I’m a telecoms engineer by trade) because I refused to get into a bank, but on several occasions been called back with a solution that worked for both parties.
My experience over the 30 years, is that transactions are a balance between how much the company/corporation wants your money compared to how much effort they are willing to put in to get it.
If I want to order something for £20 off Amazon, but write to them asking for some special arrangement they’re not going to bother.
If I tell the council that the only way I can pay them is cash, they find a solution.
No one can force you to have a bank account. Some organisations might try, and you might miss out on advantages by not having one (almost sounds like COVID passports), but if you’ve sent a recorded letter stating that you are looking for another solution then they have to meet you half way.
I’ve got a mortgage with a bank in which I’ve never had an account. I pay cash at the bank and have never had a problem. You can also pay income tax at a bank with the correct documentation.
Sorry for the very long reply, I’m a knob sometimes, but I don’t lie.
Ps - all my mates think I’m a weirdo for my anti-bank ideas too.