Re: Trying to get on my feet independently
@13
A good bank will let you get your financial records in accessible formats, typically as CSVs, if they don't just flat out have an accessible-enough online table. Any good bank will also give you text notifications of some to all transactions, alerts at balance thresholds, and an app. You'll need to budget what you're going to spend before you spend it, but after the fact the bank keeps all the records for you and balancing the checkbook is something mostly relegated to the previous generation.
Companies don't in general take advantage of you, account number or no. It's definitely something to think about, but the electric company isn't going to like go "haha you're manufacturing thunderstorms according to our meter, gotcha". Obviously having the account go under because of something like that would be really, really bad, but you can get the money back, if you can't get the money back the banks are actually mostly on your side in that sort of scenario and will reverse the disputed transactions and potentially block them in the first place, and unless you also enable autopay they aren't going to charge you even if the card is on file. In my opinion, whether you need to be paranoid about this or not depends primarily on whether or not you could absorb a temporary hit of 10-20% because of bad accounting somewhere. In practice, 99% of banking/autopay problems are more along the lines of that time I was moving to Seattle, buying stuff for the apartment, and had my cards shut down while I was at checkout because charges 3000 miles from where I used to live.
Mind you, if you're in a country that doesn't have good banking infrastructure and consumer protections, the above is less applicable.
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