We first need to make it easy for the unbanked to get affordable access to banking services before we could ever consider going cashless.
while it must suck for people who don't have $500 in income a month to wave banking fees of $10/month (those are Wells Fargo's rules, YMMV), the only two obvious solutions are bad. The govt shouldn't be able to force other entities to do it and everyone knows that if the govt got in the job of "Banking for Poors" that it would be a slow and sh**tty service for the poors and cost the rest of us $45B year.Actually, the most likely solution would be the resumption of postal banking. While the service wouldn't be at the level of private banks (it never was), it wouldn't need to be.