"A large chunk uses cash for everything, and can't get even checking accounts" If you mean day laborers or migrant workers, I've seen first-hand some employers

"A large chunk uses cash for everything, and can't get even checking accounts" If you mean day laborers or migrant workers, I've seen first-hand some employers now pay them with rechargeable AmEx or Visa cash/gift cards like Green Dot. Keeps the shift supervisor from having to carry conspicuous wads of cash around, and it's directly deposited on their card at the end of the shift, so no need for lineups.