[PeterisP]

The EU solution for this was legislation that mandates that banks can not refuse a basic payment account. Being able to participate in electronic settlement is necessary to participate in modern society, so even a bankrupt person convicted of felony fraud should have a right to a bank account somewhere, and it's the duty of the society/government to ensure that they can obtain one.

[toomuchtodo]

The US is attempting to pass similar legislation on America politics time.

https://www.congress.gov/bill/116th-congress/senate-bill/357... (S.3571 Banking for All Act)

It also expands the USPS Postal Banking capabilities and mandate.

Edit: The Federal Reserve's FedNow instant payment system going live in 2023 should also eliminate the need for check cashing in its entirety: https://news.ycombinator.com/item?id=28393576