[gexla]

I don't know if this is still the case, but banks at one time would deny you based on poor credit history also. And so, you get to stay in the "unbanked" category which is just another factor which may keep you in poverty.

The FinTech industry has since grown to the point that being unbanked doesn't need to be a thing anymore. It's easy to pick up a prepaid debit card which you can receive ACH payments on.