I agree 100% with what you're saying. I'd love to say FU to the banks and pay everything in cash, or crypto, or Ron Paul Coin or whatever. But the initial complaint in the GP's post, if I understood it correctly, was dealing with people who *can't access*, or *don't have access* to banking - and I that's what I disagree with. In the US, at least, the most down-trodden person, if they want to be "banked", can walk into a Wal-Mart and open a checking account.