I know people who deal with thousands in cash every month. They have no account and really never should. I am not even going to suggest to them to get one. T

I know people who deal with thousands in cash every month. They have no account and really never should. I am not even going to suggest to them to get one. They have extremely poor money management skills. Banks can be quite merciless if you are riding the line. They need the physicality of cash in hand to see they are spending too much. To me a 30 dollar fee is 'well that sucks'. To someone who is riding the line 30 bucks can mean a cascade of borrow from peter to pay paul, or 'well skip the power bill this month'. Which then makes the problem worse. This is not even a 'class' thing I have seen many highly paid, very smart people who just do not grok less out than in. Also do not spend it before you have it (I am getting paid tomorrow so I can borrow X and pay it off), one way ticket to massive credit card debt that old gem is.