I come from a country which is under-banked. It used to be non-banked, because in 1990 in Romania there were no commercial banks. Trust me, being non-banked/u

I come from a country which is under-banked. It used to be non-banked, because in 1990 in Romania there were no commercial banks. Trust me, being non-banked/under-banked is not better. What you want is decent banks, not no banks at all. The alternatives are all awful from a combination of peace of mind, convenience, etc.