[PeterisP]

Yeah, around here any old homeless alcoholic would have a bank account, because that's the only way how they'd get social security payments, and also any student (or working teenager) would have a bank account, because that's the only way how they'd get paid for a summer job or internship or study loan or whatever.

A bank account is a basic thing that's required (at least in come countries) for any participation in the economy and should be available to anyone; IIRC there's an EU directive about a requirement that everybody must be able to access basic banking services.