In Sweden there is a current cultural view that the only reason someone would not sign up for an account with any kind of banking service is because they are to

In Sweden there is a current cultural view that the only reason someone would not sign up for an account with any kind of banking service is because they are too old to navigate the registration process, in which case all they need is help going through it. Any other explanation for why someone does not have an account at X is perceived as perplexing or straight alien. Non-coffee drinkers will have an easier time culturally then those rejecting getting accounts at sites like klarna and swish.