You don't have a bank account.  That means that you probably don't have a house, or a credit card, direct deposit, or children, or any of the other things that are part of normal life.  You are basically a monk of a pseudo-religion.  Your experience is so far from our own that any advice that you might have is likely to be useless or even dangerous to us.

Monks cannot provide a good example to the rest of us, because if we all lived like monks there would be no families and thus no future.  All purely monastic societies die sooner or later.