My employer only pays through direct deposit but I can't get a bank account because of old overdraft fees from ten years ago, so I have to use a check cashing place that takes 3% of every paycheck.
More people experience this than they realize.
Past financial trauma becomes a life sentence of institutional rejection and compounding costs.
“Where Are You with Financial inclusion and the unbanked?”
If this sounds familiar, the Library can help you find the bigger picture.