You can cash a paycheck at the bank listed on the paycheck, without any account. You can save up the cash without a bank account. Lots of people do that. There

You can cash a paycheck at the bank listed on the paycheck, without any account. You can save up the cash without a bank account. Lots of people do that. There are plenty of people who will hire you without asking for proof of citizenship. In CA, you get Medi-Cal. And food stamps. Waking up, I guess you're on your own. Not trying to say it's easy, but those obstacles you mentioned are of the convenience variety.