[shwash]

It's a combination of education/credit card access/disposition against toll (EZPass guesses the numbers to pre-fill for you, people on tight budgets can't have $50 randomly disappear from their debit cards). Some people are driving cars they don't own.

There's other stuff that's less acceptable - suspended licenses/old registrations/out of state drivers can't keep their EZ pass up to date. There's also a decent amount of Americans living a cash-mostly lifestyle. Many many americans blackballed from ever having a bank account because they let one go too deep in the red.