I was unbanked for a couple months when I first moved to New York years ago, because I couldn't open a bank account without a utility bill. Eventually the way I

I was unbanked for a couple months when I first moved to New York years ago, because I couldn't open a bank account without a utility bill. Eventually the way I got a bank account was because my employer brought one in to sign up employees. Huge numbers of people cash their paychecks at check cashing places. This is just what it's like to be poor in America. You take 10% off the top to cash your paycheck, literally everything costs more, and then you get a bunch of lectures from privileged people about how you need to be more responsible.