Yes, that is the problem, and yes, USPS banking would solve it. I haven't disagreed with either of those things. But here, again, you're talking about the chec

Yes, that is the problem, and yes, USPS banking would solve it. I haven't disagreed with either of those things. But here, again, you're talking about the check cashing industry, and to be blunt you have no idea what you're talking about. "so would legislation setting a max check cashing fee of $3.00 or something similar" - read this page carefully: https://www.walmart.com/cp/check-cashing/632047 https://www.walmart.com/cp/check-cashing/632047. Walmart's max fee for checks up to $1000 is $4. The problem is that a lot of people are cashing small checks - even if it only costs $2, somebody cashing a $50 check is still paying 4%. But what are check cashing places supposed to do? Charge pennies to cash small checks? They have fixed costs that aren't going to be covered by amounts that small. So yes, it is a problem that people can't cash checks for free. But that's not a problem with the check cashing industry, it's a problem with the financial system as a whole. You should read the book I recommended before you keep criticizing - you're just being a keyboard warrior who's never set foot inside a check cashing business criticizing something you don't understand. Here's an actual solution for you - the government requires all banks to cash all checks under a certain size, regardless of whether someone has an account at that bank. The government is then responsible for reimbursing any money lost to fraudulent checks (and prosecuting those who pass them).