Fiorella's parents, being children of the depression, were careful with money. Fio's father was a tightwad from a family of tightwads, and her brother is even more so. Fio admits to being somewhat fretful about money herself. She's even gotten up in the middle of the night to check that the family bank balances are exactly what they should be.
A lot of people's personal economies are in trouble right now because the national economy is in the tank. Other people just plain don't know how to manage their money. Fiorella wonders if the trend toward banking on line is part of the problem. It seems to her that sitting down with the bills and writing checks to pay them, then figuring out one's current bank balance, makes the money somehow more real.
Of course, no matter how one is banking, in order to have stable personal finances, one has to keep track of them and live accordingly. That's probably a problem for all of us.