[couchdive]

all good points.

But, we are forgetting the unbanked, underbanked, the day laborers and migrant farm workers paid cash, the LexisNexis tracking leading to unbanked.

Check cashing places are slimming, buts that's more due to entry level jobs offering prepaid debit cards as payment of salary. Yum Brands I believe does this. But of course, prepaid debit cards cant be used everywhere. (Hotels, deposits, some gas pumps, etc)