[ike2792]

> There are a significant number of citizens who don't use credit, don't have bank accounts, don't have cars, work at off the record jobs that pay in cash or check (to cash a check all you need is someone you trust enough who has a bank account and then you can do a third party endorsement and let them cash it for you).

Do you know of any statistics on this? I knew a lot of people like this when I was growing up in the rural midwest in the 90s but it would have to be a lot more difficult to get by this way now.

[tzs]

Here's some.

23% of people making less than $25k/year do not have bank accounts [1].

20% of Black households in the US do not have access to a car [2]. That one also says that 17% of Black households are unbanked. For Americans overall this [3] says 8.7% of households do not have access to a working vehicle.

> I knew a lot of people like this when I was growing up in the rural midwest in the 90s but it would have to be a lot more difficult to get by this way now.

It probably is. For example before 1996 flying on a commercial airline was about as easy as getting into a movie theater. If you had a ticket you got in. They didn't care if you were actually the one who bought the ticket. They stated caring after TWA Flight 800, and caring even more after 9/11.

I think hotels check ID more now too. I'm sure there are other things.

But a lot of those things are things that poor don't actually do much of.

Another thing that probably makes it still feasible to get by that way is that people who don't have credit, cars, bank accounts, etc often live in communities with many other people in the same situation. Such a community is likely to have a significant underground economy that has developed to handle that.

[1] https://www.cnbc.com/2024/08/02/23percent-of-low-income-amer...

[2] https://www.cbcfinc.org/wp-content/uploads/2020/10/NewRoutes...

[3] https://www.thezebra.com/resources/research/car-ownership-st...