[mickronome]

One reason most Swedes are laid back about cash is the Swedish banking laws, especially what is called 'insättningsgarantin', a deposit guarantee law.

The gist of that law is that in Sweden a bank is not allowed to close your account, or disallow you to open one except in very specific circumstances. Essentially you have to either use your bank account for something illegal, or lie to the bank. I've never once read about a case where a bank has closed the account of anyone, while it still probably happens, it's not something anyone is afraid of.

[gambiting]

Well, that's something that is missing from the UK law - there should be some sort of guarantee that everyone will have access to at least basic banking services. At the moment banks are at liberty to close any account for any reason.