[mpyne]

> How do you suppose they buy things on Amazon in 1-click?

Have you tried going to a gas station, Wal-Mart, or convenience store in poor America? They sell pre-paid credit cards that are usable (with a few extra hoops) for online banking.

Of course, pre-paid cards are, like all things used predominantly by the poor, susceptible to poor regulation of fees and penalties, but then the 30% of Americans without credit cards are also not the ones able to keep a wallet.dat secured...