I totally get it. "I don't trust banks" is a setiment that actually makes sense when you only have $200 total to your name. Not to mention you are at constant

I totally get it. "I don't trust banks" is a setiment that actually makes sense when you only have $200 total to your name. Not to mention you are at constant risk of overdraft.... If you are at need of quick liquid capital I totally understand why you'd want to be cash only than risk stupid ATM fees, overdraft fees, whatever. It makes sense. Nobody has ever said to me, ever, "I would really like a bank account, but I don't have access to one." It's always "I want to keep my money, I don't trust banks to keep it for me." It's also complicates things, more than strictly necessary,that it. Participating in the banking industry becomes a higher stakes venture than keeping your cash under a mattress. It's a hard thing to get your average HN reader to understand unless you've 'been there, done that...'