banking does sometimes require actual money still, much more so if you're poorer. What's another institution that has offices everywhere, ships things every day, and privately and securely stores things for huge numbers of customers? Remember, DMVs/RMVs are state-level.
Hell, they're even surprisingly used to keeping large amounts of valuable paper safe. It wasn't that long ago that you could make a lot of money stealing stamp sheets.
> What's another institution that has offices everywhere, ships things every day, [...]
Walmart or 7-11 or so? Jokes aside, giving banking licenses to retailers might be a sensible thing to do. (Or removing the whole system of banks requiring licenses altogether would be even better.)
"At its more than 4,600 in-store MoneyCenters, as well as online, millions of customers have access to basic, low-cost banking services, including the ability to withdraw cash, make deposits, and pay bills."
Hell, they're even surprisingly used to keeping large amounts of valuable paper safe. It wasn't that long ago that you could make a lot of money stealing stamp sheets.