Yeah, I know it's nearly impossible to get paid in cash (unless you look for employers that are less than reputable). I was thinking more along the lines of withdrawing it on pay day - although I would never really go to that extreme anyway. Too much effort and the money would be liable to getting lost in the event the house got broken into/flooded/burned down.
My point is that, as you say the outages are happening too often - I don't expect the banks to operate with no mistakes but there really are a lot at the moment.
As well as the outages, there is the issue of customer service - I don't know anyone that does not have at least one horror story about a bank. I have had dealings with Nationwide, Natwest, Halifax and Lloyds TSB and I have horror stories about all of them. Ridiculous things like them sending bank statements to deceased relatives for nine months after they passed away (bank notified properly, the statements were addressed to "The Late..." (Natwest) Sending mail to deceased relatives after having been notified (Natwest, Nationwide, Halifax). Failing to implement change of address after the procedure was followed (Nationwide, Halifax), getting through to someone in the call centre who was avoiding calls but forgot to mute his phone so I could hear him talking about avoiding calls (Natwest). Sending bank statements after the account was closed (repeatedly) (Lloyds). Getting a payment taken out of my bank twice, taking me over my overdraft limit and then getting charged for it (Nationwide).
Those are mine, and I haven't even (and won't) touched on the murky operations beyond the consumer branches of these organizations, obscene bonuses and the like.
I know I sound like an outraged Daily Mail Reader (I'm not, by the way) but the banks really are in a bad way at the minute, and although I'm exaggerating when I suggest withdrawing all the money and putting it under the mattress, there is a serious point about whether they can be trusted with the responsibilities they hold, and I don't believe they can.
Rant over - I'm going for a pint now.