These would-be customers may not have enough money, living paycheck-to-paycheck or worse, to justify opening a bank account, or they might not trust the financial industry.
When bills have to get shuffled around and you are living paycheck-to-paycheck, it is easy to be at the mercy of banks and other financial service providers and their fees.
The focus there is really trying to reduce exposure to this discretionary purchases from low income consumers and if you watch them today there is a lot of these people in this country that are living on paycheck-to-paycheck and without savings and any movement or economic event really has an impact on them on a current basis relative to their expenditures.