[technotony]

It's very counterintuitive, but actually the more unbanked you are the more you needs loans/savings and the more complicated your personal financial balance sheet is. I'd recommend the book 'the poor and their money'[1] for the details on this, but essentially if you haven't got savings you are constantly borrowing and lending informally with your community to meet life needs like a new roof or school fees.

[1] https://www.amazon.com/Their-Money-Oxford-India-Paperbacks/d...

[lupire]

That's having a tightly knit society where people take care of each other instead of ignoring the poor people to die alone.