Online banking is great for the middle class who might have their paycheck direct deposited into their account, pay their bills online, and have easy access to

Online banking is great for the middle class who might have their paycheck direct deposited into their account, pay their bills online, and have easy access to credit and debit cards. This allows them to be mostly cashless. Poorer people are much more likely to deal in cash and therefore need more access to a brick and mortar bank. On the issue of ISPs, you are conflating neighborhood density with the economic status of a neighborhood. I would bet that in two neighborhoods with similar density, the wealthier neighborhood generally has the more developed internet infrastructure.