> I feel like a more effective approach would be to change how the banking system works, but I imagine that comes with a myriad of undesirable costs. It seems

> I feel like a more effective approach would be to change how the banking system works, but I imagine that comes with a myriad of undesirable costs. It seems likely to me that people who can't navigate the current banking system at a basic level would struggle with any banking system you introduce. Or just any system in general.