The poorer you are the more reliant you are on cash. When most of your transactions are in cash you'll go through the quota of free transactions quickly and you

The poorer you are the more reliant you are on cash. When most of your transactions are in cash you'll go through the quota of free transactions quickly and you'll just be stuck with a lot of cash you're can't deposit anywhere and become a prime target to rob. This also assumes you're paid via check for your income.