Here is my thoughts about this post while I patiently wait for my dogecoin from Joyce...<p>It's understood a lot of poor people are not part of the banking financial system but I don't think it's just because they are poor. Most people I think opt out because of general ignorance or are hiding from something (involved in criminal activity, owe child care/alimony, etc).<p>I enjoy a free checking account with no minimum balance and don't have ATM fees if use one of my bank's machines. Overdraft fees? Just don't spend more money then you have in your account. It's not that hard...<p>On digital currency like Bitcoin, I am just not on board yet. It seems to just be a niche thing right now that most people seem into merely for speculation. It's not close to being like a real currency and doubt it will be anytime soon.