Never underestimate how much cleverer than you people will be when it comes to money. They spend their full time on figuring out how to use the system in ways you didn't expect, whereas you don't even spend full time on getting the things to work the way you barely took the time to think they would.
Secondly, take away the lesson that there's a reason that banks/stores/merchants don't lower their standards and go into certain neighborhoods, in the name of "lowering barriers to entry". (or demographics in this case) It comes with a lot of crime/fraud/loss, and unless you're actively fighting it or have figured a way around it, you will lose.
Secondly, take away the lesson that there's a reason that banks/stores/merchants don't lower their standards and go into certain neighborhoods, in the name of "lowering barriers to entry". (or demographics in this case) It comes with a lot of crime/fraud/loss, and unless you're actively fighting it or have figured a way around it, you will lose.