Quite a few underclass people are unbanked. We had a person from a troubled background living at our house who got to 30 without having a bank account or a primary care physician. Early on we took her to the local credit union to get an account; people like that are always getting money sent by Western Union and paying terrible fees.
(Here in the US we have numerous kinds of organization that look like a bank superficially but have different regulatory regimes: a credit union does what a bank does but is a consumer cooperative. I'd also say that many local and regional banks have a much better customer service attitude than megabanks. I own stock in a local bank that is great for the community and beats Goldman Sachs on the performance of the stock... I can't see why anybody has an account at Bank of America.)
(Here in the US we have numerous kinds of organization that look like a bank superficially but have different regulatory regimes: a credit union does what a bank does but is a consumer cooperative. I'd also say that many local and regional banks have a much better customer service attitude than megabanks. I own stock in a local bank that is great for the community and beats Goldman Sachs on the performance of the stock... I can't see why anybody has an account at Bank of America.)
People who grow cannabis also are unbanked.