[silverquiet]

I mean, it's why the poor people I know can't get bank accounts; in fact, it's the only reason I know why the system exists. Ever wonder why so many places advertise check cashing services (for a fee obviously), a service that your bank gives you for free? Those payday lender places don't just do predatory loans, they also have things like prepaid debit cards (also for a fee) that those who aren't able to use the banking system (usually because a few overdraft fees get out of hand) can use to interface with modern society. As I said, I've had to navigate friends/family through this, so I've got a pretty practical grasp of the system.