Posted by TimV on November 22, 2016 at 18:10:37 from (74.78.234.72):
In Reply to: Re: Dang Banks!!! posted by IaGary on November 22, 2016 at 15:35:04:
Per the FDIC, about a third of people in the US are either "unbanked" (no member of the household has a savings or checking account) or "underbanked", meaning some member of the household has a savings or checking account, but they still use "alternative" services such as payday loans, rent-to-own, tax refund anticipation loans, money orders, or other (typically high-interest-and-fee) options for basic financial services. While a substantial percentage of these households are illegal immigrants who lack the documentation to open an account without drawing unwanted attention to themselves, there's many families who either do not have enough money to maintain a sufficient balance to avoid fees or lack confidence in the banking system and prefer to rely on a combination of cash, barter, and, when necessary, alternatives such as money orders. The number does seem to be coming down a bit over the years, but that's still a huge number of people who don't use a bank as their primary financial tool. I'm making no judgement either way, but just throwing this out there to show it's hardly an uncommon phenomenon.
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