> For someone carrying 5-figures worth of cash, how can those costs be prohibitively expensive? When it's all you have, and already allocated to an expense tha

> For someone carrying 5-figures worth of cash, how can those costs be prohibitively expensive? When it's all you have, and already allocated to an expense that's necessary in one way or another. The fact that cash is in paper form, and not electronic form doesn't imply that it's from the discretionary part of your budget. Also, there is the phenomenon of people with low incomes opting out of the banking system for various reasons including distrust of it. [edit: 11:24AM CDT added second paragraph]