Not only Europe, the whole world, but that's not important for the discussion. There's almost no way just to open account at all, to put some cash there, have

Not only Europe, the whole world, but that's not important for the discussion. There's almost no way just to open account at all, to put some cash there, have a plastic card and use it to buy tickets or pay for Netflix subscription. Moving money is a separate quest, that I can tell from the first hand experience. I am not saying that banks should have some kind of obligation to open account for everyone. I am just showcasing the importance of cash transactions.