I mean, unless you're at the absolute bottom end of society or you are terrible with money, you can get a credit card and pay it off monthly. There are poor peo

I mean, unless you're at the absolute bottom end of society or you are terrible with money, you can get a credit card and pay it off monthly. There are poor people who are responsible with money. My fiancées parents are low-wage Mexican immigrants -- they have debit cards and only spend money that they have. But poor people don't need those kinds of micro optimizations that will save them pennies a week (do you need an extra 1% interest in the $14 in your checking account?). There is way, way more low hanging fruit than that.