From what I understand, the unbanked are really more of a thing in the developing world. The same crowd that'd be receiving micro loans were they looking to start small business in say rural Myanmar
I lost a bank account last year and was unbanked for a little while. I really hate my customer service interactions with banks and would be quite happy if I could unbank myself.
Life pro tip:
If your Charles Schwab broker emails and says that they're wondering why your retirement savings are nothing but medical marijuana penny stocks and if you'd like to come in to talk about healthy portfolio management strategies, you should go into the local office and not ignore that email.