There are multiple contributing factors. After defaulting on a loan after a dispute with the lender any large amount is automatically removed from my bank account. As a result I live primarily with cash and only put money in the bank to pay bills. This is a situation created by current bank and lending regulations.
Yes far better to include the information you find relevant in a comment rather than as the Title!
>>>Digital financial services and commercial bank money have become more accessible over time, and increasing numbers of Americans have opened and maintain bank accounts.6 Nonetheless, more than 7 million—or over 5 percent of U.S. households—remain unbanked.
