We do. I never give companies power to pull money from my account. I realize it's a convenience for some people in the way they budget, so no judging.... I've just been screwed by it one too many times. I keep full control over my finances. I budget everything out on an Excel template I created. It actually doesn't take much time at all ..an hour or so once a week to get everything balanced and paid for the month.
The system is old and ossified. No one on the left, save for progressives, seems interested in shaking things up. It's too bad, I would have rather had a leftwing populist revolution. At least workers would get paid fairly...but this is backwards-ass America so, instead, we'll get what we deserve.
It's edgy neck beard shit. The whole philosophy is reactionary and shouldnt be taken seriously. Living as an anti- anything is pathetic and cringe.