cindala,
I was also one of the folks who was charged more at National, not a big deal, it was fixed as soon as they were alerted to the problem. Unlike you, however, I had made and cancelled many ressies. None the less, once cancelled, IMHO, they should never have shown up.
You are correct regarding the amount of info that can be lost. One hopes, however, they they properly maintain and backup the info on their computers, one also hopes that people who make the ressies via computer have the printed copies and the email confirmations.
I have had deposits losts when I used tellers, not machines. They were never really lost, just credited to other peoples' accounts. Now, when I deposit money with my atm card, it goes where it is supposed to.
I love atm cards, especially those with the MC/Visa logos. Quick and easy. No holding up lines while writing a check, having the id checked etc. And..........NO BILL at the end of the month.
But, Cindala, what it boils down to is you like your way and I like mine. Neither is the right way except for us.

And....that is all that matters.
Have a great day!!!