[stanleydrew]

This argument makes sense if you don't consider the large portion of the population for whom credit cards are unavailable.

[kerkeslager]

There's even a significant number of people in the US for whom bank accounts are unavailable. Hacker News really is an ivory tower in many ways.

[scarface_74]

4.5% of the American population is not exactly a “significant number of people”

https://www.fdic.gov/analysis/household-survey/index.html

I’m not saying we shouldn’t do anything for that 4.5%.

But almost anyone who has a bank account should at least be able to get a secured credit card

[ncallaway]

> 4.5% of the American population is not exactly a “significant number of people”

Wow. Absolutely stunning.

I don’t have much to say other than “yes it is”

[dragonwriter]

> 4.5% of the American population is not exactly a “significant number of people”

Yes, it is; its 15 million people in the US, more people than any state outside of the top 4.

[elyobo]

4.5% of the American population sounds like an _extremely_ significant number of people tbh

[kerkeslager]

You've been an excellent example of my point, thanks.