Going to the bank takes time, fuel, etc., which someone working two jobs to feed their family may not be able to afford and many banks do charge fees for having

Going to the bank takes time, fuel, etc., which someone working two jobs to feed their family may not be able to afford and many banks do charge fees for having a balance below a certain amount or not having so many direct deposits. A lot of prepaid debit and gift cards charge a fee so that’s also not an option. Newer phones with NFC payment technology also tend to cost more. Outside of bank accounts, credit cards can also be disastrous for people who have never been taught to manage money effectively. And all of this says nothing about how data collection via cashless payment systems can harm and discriminate against disadvantaged people.