I think the point is that the "direction of travel" has been blatantly obvious for a few decades and that some people just stuck their head in the sand, and made no provision at all for what was inevitable. We've had widespread debit cards for 40 years so no need for people to be going into banks to withdraw cash when a debit card and hole in the wall would do it quicker and easier. We've had telephone banking since the early 90s, internet banking since the early noughties. Cheque books have been pretty much obsolete for at least a decade, probably two. Businesses mostly moved over to paying wages by BACS a couple of decades ago.
I have little sympathy for people who deliberately chose to ignore the progress and stuck rigidly to their "old ways" for the past few decades, when they were off an age where they had all their faculties and could have embraced the changes at a time when they were capable. Relatively slow and easy changes could have been made over time, in fact, over decades. None of the current situation happened overnight, it's been a VERY slow progression over decades. Anyone, currently of working age, or recently retired in the last decade or so has no excuse at all. (Unless they're mentally disabled which is a whole different matter).
I still know people in their 50s today who are just nothing but awkward and still insist on using cheques to pay bills - they're just "anti" everything modern. They're really going to suffer/struggle as all areas of life are only going to get more and more tech driven. They're perfectly capable of doing things online (all are heavily into the internet when it suits them, have smart phones, etc), but seem to have a weird sense of self importance that everyone else will bow to their whims - news flash, they won't and they'll just find themselves marginalised and then too old to change their ways when there are no alternatives, which is inevitable in another decade or so.
I have more sympathy for people, say, in their 80s and 90s, who may have been paid cash throughout their working life (unlikely but I'll give them the benefit of the doubt), and simply never needed banking facilities at all, i.e. the old "money in a jar" type of person who paid their bills in person across a counter. I accept that was a way of life for most people up to the 80s, and if someone was middle aged in the 80s, then fair enough, they may have seen no reason to change their ways. The number of people falling into this camp are small and getting smaller and will probably be close to zero within a decade. Those with, say, dementia, won't even be able to cope with "real cash", so it doesn't really matter whether they're using cash or online banking, most will need someone else to do it for them, and once a POA is set up, then the holder will find it a lot easier to do it online than trail around paying bills over the counter.
The reality is that, soon, there'll be no physical bank branches. We've only one left in our town. There used to be at least a dozen, plus lots of sub-branches of building societies etc. Even our main post office is earmarked for closure in the latest round of closures. People have been busily closing their bank accounts in banks that have closed and moved their money to the banks still open - many have had to constantly change. They still don't get the message. Trailing between branches closing and opening accounts is just wasting time and chasing something that simply won't exist in a decade.
Everyone who is able, needs to get on board with the internet. It IS the future, however much people want to stick their head in the sand. They're not harming anyone but themselves. Banking, shopping, car parks, event tickets, ordering food in restaurants, etc etc is only going one way. Get on board or be left behind!