Also, what is the value in a world of (nearly) ubiquitous bank accounts, debit cards, and credit cards? While unbanked people exist, to use your example, I'm g

Also, what is the value in a world of (nearly) ubiquitous bank accounts, debit cards, and credit cards? While unbanked people exist, to use your example, I'm guessing 99.99999% penetration of banks amongst the people that buy ikea couches.