Not that vanishingly small once you start working with the poor. A lot of those folks don't even have checking accounts, never mind a credit (not debit) card.

Not that vanishingly small once you start working with the poor. A lot of those folks don't even have checking accounts, never mind a credit (not debit) card. This has been a real issue in a few places that have now banned cashless, because it puts a heavy burden on the un/under banked.