When I worked as a debt collector in 2003, we were told to create urgency and to pressure debtors to use Western Union to make payments immediately. If the debtors had credit cards or loans, they shouldn't have been unbanked. It seemed as though it would be totally unnecessary.
Recently, there have been proposals to let the USPS offer banking and very small loans to low income people.
It seems our system is designed to keep some people vulnerable.