Access to cash is a right. You can buy gift type credit cards and periodically "recharge" them for use. It seems to work fine for those who have to use it, b

Access to cash is a right. You can buy gift type credit cards and periodically "recharge" them for use. It seems to work fine for those who have to use it, but I have no idea what regulations, if any, are protecting those customers. Anyways, extending this idea to also include an ECH account attached to the payment account is probably not difficult to accomplish and is probably where federal reserve efforts could improve outcomes without forcing banks to take on customers.