I here about a lot of complications due to not having access to a banking account, but the story only lists one case of an actual reason. I would like to hear more reasons why it is hard to acquire a free checking account and this article could convince me to be active in helping locals, which should be the goal of this journal. Making one aware and not proposing any solution path just makes someone feel pain for the issue, then hopeless to help, and ultimately callous to aide.