> Banking is optional Banking is definitely not optional. Certain transactions, specially those done online, require digital payments that cannot be done with

> Banking is optional Banking is definitely not optional. Certain transactions, specially those done online, require digital payments that cannot be done with physical cash. It's increasingly a required part that's needed if you want to participate in modern society, and the lack of access to such banking systems forces people to adopt subpar services as a replacement. In the ideal case, banking should be a utility like power & water: A necessity for modern life, without which certain daily routines would not be possible.