While I think you have a point, I believe that it is probably out of the city government's control that the economy we have has a lot of people unable to access

While I think you have a point, I believe that it is probably out of the city government's control that the economy we have has a lot of people unable to access modern finance. However, they are able to pass regulations that require restaurants to do something which all restaurants were doing until very recently, and most still do.