You have the power to decide which technologies are relevant to you. For example, you can just pass on Snapchat and Twitter. You don't need that kind of negativity in your life.

And that consumer power has always been there. More than ten years ago, I decided paying for checks to write out and then pay for other things was a useless system I wanted to no part of. Since then, digital payment technologies have blossomed and there's no going back.

I do, however, accept checks. [Please make them out to Brianna Wray with two "n"s.] I use my credit union's app to deposit checks instantly and eve...