I agree that the biggest problem poor people have is lack of money. > I've never met a single person who had money but couldn't get a bank account... This is

I agree that the biggest problem poor people have is lack of money. > I've never met a single person who had money but couldn't get a bank account... This is an exhaustively documented problem. There absolutely are banking deserts (riffing on the "food desert" phrase). Those pay day loan and 3rd party check cashing services exist (to exploit) those communities which don't have banks, credit unions.