This feels like conflating two things. First, there is simple banking for underclasses, savings, check cashing, perhaps checking accounts with debit cards. Im

This feels like conflating two things. First, there is simple banking for underclasses, savings, check cashing, perhaps checking accounts with debit cards. Immigrants and the poor often have to pay more access the money they have earned, that payment is in time as well as high fees for private check cashing businesses. This seems like a low risk banking service usps could or should consider. It also seems like some sort of nonprofit credit union, perhaps started by churches or charities might be interested in. In denver, just as an anecdote, in some parts of town it's not unusual to see hour plus long lines at various grocery and walmarts on Friday almost entirely minorities attempting to cash pay checks at the most affordable places to do it; any way you slice that, it's an expensive premium. Then there are high interest short term "loans" and that seems like something else entirely. Now they may be related but I don't think basic banking needs to include this or should.