[sneak]

Millions of people live normal lives without bank accounts.

The solution to the problem is not to force retail banks to extend their terrible customer service to all of society, it’s to ensure the utility of cash. Cash works great even if the banks (or the state) hate you.

[Ridj48dhsnsh]

This depends highly on the country. Cash doesn't work so great in most of the EU anymore. In Spain and Greece for example, it's illegal to buy anything with more than 500 euro cash I believe.