Capital one has free checking. So that's no problem.

Cash costs money too. We always talk about the cost of credit cards but always forget the cost of dealing with cash.

I'm super happy with all this modernization. I only need to carry an Apple Watch, not even my phone. I love it.

> people that can't get a credit or debit card

Why is that?

No fixed address.

Not enough spare money to maintain a bank account.

No desire for a high-fee credit card, no access to a low-fee credit card.

No acceptable documentation.

Interesting. The second one strikes me as odd. I have never paid any fees for a current account unless it went into the red, not in the UK nor in Norway. And a debit card is free in Norway and the UK.

They meant that the person doesn’t have enough to maintain the minimum balance in the account.