No security in virtual reality 

As you know, our friendly bankers have been trying to shove us small depositors out of their institutions, insisting we bank at their ATM machines, rather than expecting to have branches in our communities staffed by actual human beings. It's conventional banker wisdom that ATMs are the essence of efficiency, and that we customers just have to get used to our high-tech future. Wells Fargo banks, for example, have even installed greeters at the doors of their branches, not to welcome customers, but to ask them to use the ATM instead of bothering the tellers. They refer to this as "migrating the customers' transactions," and these greeters are called: "Migreeters." I am not making this up! Problem is, we are not cooperating.We keep insisting on seeing that real people handle our transactions. Indeed, a recent poll finds three-fourths of us prefer banking at fully-staffed branches, rather than at machines, and two-thirds of us refuse to use machinery at all for certain bank business -- especially making deposits. As one customer told The Wall Street Journal, "What proof do I have that I actually deposited the money `at the ATM`? I just like knowing there's a real person who is making note of the transaction." The result of such customer rebellion is that banks are not being able to eliminate branches. Indeed, the number of staffed bank offices is up! Still, bankers are not giving up their battle to teach us to love their machines. Nations Bank, for example, is adding an "imaging feature" to its ATM screens: If you deposit your money in the machine, a picture of a check being deposited will be shown, just as though it was really happening.Trust us.

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