This is not just affecting people without bank accounts. ATMs are unapproachable even now because of the insane queues. Some places require you to pay merchant

This is not just affecting people without bank accounts. ATMs are unapproachable even now because of the insane queues. Some places require you to pay merchant charges for using credit cards. Transactions < 100 Rs cannot be paid for with credit cards. Some of us are better off because of credit cards, paytm etc, but I think most people are struggling.