There is a huge population that doesn't have bank accounts, and they're typically the core of Wal-Mart's demographic. One of the wonderful things my late Uncle Ron did was to lobby for regulatory changes so that he could open a credit union to serve these folks- typically low income, often migratory, and sometimes undocumented.

The financial rape of the lower rungs of the economic ladder that goes on via Western Union, payday loan, and check cashing places is absolutely obscene.

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1961 220b: first project car - sold.
2000 CLK 430: first modern Benz - sold.
2001 CLK 55: OMG the torque!!! - sold
1972 280SE 4.5: Baby Gustav
1991 300TE 4Matic: Gretel the Snow Bunny - sold
1978 300SD: Katz the Free Man - given away
1980 Redhead: Darling Wife