Twenty years ago, I was still paying land line phone bills, coming out of bankruptcy and had a pay-by-the-minute cell phone. I took picture with a camera and got them back after going to CVS or a local Kodak or Fuji film kiosk. I went to a travel agency to arrange my travel plans and called a taxi to go places. Now, I have six credit cards, a debit card, my credit score is approaching 800 and I haven't needed a camera in nearly a decade. I go to CVS to get my medications, Orbitz to get my travel and I get a Uber instead of a cab.