Perhaps I’m getting the wrong end of the stick but in the UK my bank accounts in 1997 didn’t have a ‘passbook’ however my Building Society accounts that ran along similar lines to banks did. Saying that I didn’t have a large amounts of money to withdraw or move around so I can’t really comment on the procedures at that time especially in Australia.
There is a strong probability Marion was using travellers cheques when she came to the UK in order to fund her shopping etc.
Unfortunately Australian banking was well behind the times on the international banking scene for too many years.
I was stuck in Germany for 3 weeks in 2009 because my credit card didn’t have a PIN number. Australia was still predominantly swiping credit cards on an impression swipe machine to paper with a handwritten signature. In Europe it was all PIN numbers and eftpos machines - I had to wait until one was posted to me then wait for a separate PIN number to be mailed. I did have an AU PIN debit card - but I had no money in my account.
Trying to change my Mum from a passbook to an ATM card (she’s not much older than MB would be now) in 2010 was like pulling teeth trying to get her to make the change. Just very old school. Go to the bank on payday - withdraw a portion of your pay. Go and pay your individual bills with cash or post a cheque. A lot has changed in life since 1997.