It is incredibly convenient but you're right that it presents barriers that are hard to overcome as very little thought is given to handling people without bank

It is incredibly convenient but you're right that it presents barriers that are hard to overcome as very little thought is given to handling people without bank accounts, cards, bank id. I'm across the border in Norway and when I moved here I was locked out of pretty much everything because I didn't have a bank account with a BankID (a proof of identity service provided by your bank and used for all government websites and many private businesses). Without that it gets incredibly difficult to do anything.