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I don't have Herpes either, so I have that going for me. Which is nice.I've never used an ATM. Don't have a card, so I can't. Instead, I have CIW. That's, Cash in Wallet.
Not having a debit card puts me in the main lines at Winco. Boo Hoo. That's the only place where I've found that I'm at a disadvantage for not having one. BofA tellers tried for years to foist one off on me, but they've given up.
Come to think of it, having a debit card would keep me away from BofA tellers. Which I try to avoid anyway. Because these days, anyone getting into a line at the bank is a Problem Person. Normal people don't have to queue up at the bank, they do bank stuff on their smartphone. Of course I don't have one of those, either. So there you go.