We can lobby for individual universities to remove the card systems, however unsuccessful those attempts may be. I don't find the process abhorrent to use the card or to fill out information to have the funds direct-deposited instead. It seems silly to have direct-deposits take longer than in years past because of a new piece of plastic that few students in my university are openly using. I just find it a meaningless device that provides no efficiency and duplicates services provided by the student's own preferred bank. There was a problem too where there were few ATMs that were Higher One accessible in the whole state of North Dakota without transaction fees, so the university recommended that everyone place their purchases on the "credit" option and sign. It was a stupid idea, but there you go.