Most of the recurring payments are automated here too. Of course you can choose to pay them yourself, but why bother. Only very rarely has something gone wrong with automated withdrawals and then it's been all over the news in big bold headlines (never happened to me personally). So the banks and utility companies are very careful about such things.
One of the few benefits of living in a tiny country.
There's not much going on here that's not grabbed up by media and immediately put into headlines.