My question is , why don't these people have bank accounts?
Depends. Why can't banks offer more debit cards to more people and, I don't know, stop honoring overdrafts? Transactions should decline, not overdraft, even with overdraft off . We've built lots of traps for people that have balances near-zero that keep them near zero, and one little mistake snowballs into blacklists from Telecheck, ChexSystems, and other fun companies. Meanwhile once you can keep your balance with a…
Yes. It's a little sad to see other comments assume that people have something to hide for doing something as basic as wanting to send money back to family.
Banking services with hidden fees can be inherently less predictable than working with cash and fee-based financial services for folks who have low income or irregular pay.