Checkable Deposits Have Decreased Since the 1970's Mainly Because

Checkable deposits have decreased since the 1970's mainly because:

A) regulators allowed higher rates to be paid on these accounts and banks found them to be highly unprofitable.
B) people prefer to use credit cards rather than writing checks.
C) these deposit accounts offer little or no interest so depositors find them to be expensive.
D) as banks added fees to these accounts people increased their holdings of currency.