[carlosdp]

"Banking services" does not mean just bank accounts, it means any services that depend on money being elsewhere, not in your hands.

That debit card you use, it's backed by a bank. Most credit cards are backed by banks.

Economic censorship is certainly a valid concern, I think that's the kind of stuff we should be talking about with Libra. Fees on Libra would be way way cheaper than fees on credit cards, I don't think that's a huge concern. (most of the fees on credit cards come from the underlying banks, not the payment networks themselves)