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this post was submitted on 15 Aug 2023
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How many have debit cards though?
Wow, that's pretty crazy to think that so many people can't/won't get a bank account. Are these people undocumented immigrants with no identification? Is this the same part of the population that is targeted by the ID laws for voting?
How are those people getting money? Is it really possible in the USA to just be paid with an envelope of cash? Or is it under the table work? Or if they are poor, is there any kind of benefit/welfare from the government? Don't they need a bank account to receive those funds?
I'm just asking because in my country, I was able to open a bank account for free. I've had it for a year and I've never even deposited any money into it. But I have a debit card for that account. It seems impossible to me to have no access to a bank account. Even if you're homeless, you're still able to use your town hall as a contact address for official things.
Banks in the US are tricky business sometimes. They often want a lot of info (understandably) but someone does not have a home may not be able to provide some of it. They may not have a phone number, they may not have an address, they may not have either. Could also be undocumented individuals are part of it, I'm sure they factor in. Maybe someone decided to go "off grid" and stop using anything connected to the government they can and is now a mattress stuffer lol. Point is cash should always be acceptable outside of edge cases IMO.
Yes but it's very mediocre generally unless their state/city has invested more into social programs, which is the exception and not the rule in the US. In my state unemployment insurance (welfare) is I think...237.00/wk so not even $1,000/mo (haven't been on it in a few years now forgot exact number).