Good. I'll just give a for-example. I was one of those dumbass kids who thought that I was going to be fine racking up a bit of credit card debt in college be

Good. I'll just give a for-example. I was one of those dumbass kids who thought that I was going to be fine racking up a bit of credit card debt in college because I'd get a nice, high paying job the second I walked off campus. Then the tech industry imploded and it took a couple years (Katrina also happened in the mean time) and I ended up having a cratered credit score and on the business end of a lawsuit. So when I land my first dev job, I proudly walk into the local bank and ask to open an account. My credit score wasn't good enough. But I needed a place to store my money. The answer for me was Netspend, company of choice for most check cashing places, who charges you to hold on to money for you. Now, it could very well be that Netspend needs to charge that amount because people who use their cards aren't really people who can save much, but it seems like an inadequate way to service the population given that people need a practical way to interface with electronic banking regardless of how much they have or what their credit score is.