In the EU, all banks are required to provide basic banking services, including a debit card, to anybody who does not currently have a bank account. This practic

In the EU, all banks are required to provide basic banking services, including a debit card, to anybody who does not currently have a bank account. This practically killed cheque-cashing shops in the UK, and provided a significantly higher quality of life for workers, as well as simplifying payroll - direct debit can now be provided to all workers, there's no need to provide a cheque option. The issue, of course, is that the US Visa/Mastercard system is an often-offline, pull-based system - meaning that a card set up to always require online transactions may be unusable, preventing banks from providing accounts with a debit card without the potential for an overdraft.