[ryanlol]

I don't really have any bank accounts right now and pay my credit card bills with bitcoin. I guess I might be that person then?

Although, I've pretty much always been paid in cryptocurrencies so my situation is rather unique.

[urethrafranklin]

You have access to banks, you just choose not to use them. And you have a government identity and a credit history that you used to obtain your credit card. You aren't remotely close to the hypothetical character the OP described.