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For all other Europeans out there, avoiding this situation is another thing the EU did for us.
For the Americans, write to your representatives demanding the same rights.
Excluding people from having a bank account in 2025 is basically condemning them to ostracism even without sending them to concentration camps.
I've long held the belief that the US postal service should also provide basic banking services too in the US, that way no one can be denied a bank account.
One of the things Bernie Sanders ran on. He wanted to do that and ton more good things for us little people. But the Democrats rather have fascism under Trump then progressive policies.
Did you independently reinvent https://en.m.wikipedia.org/wiki/United_States_Postal_Savings_System or did you know about the history?
I didn't know that existed!
Its decline reads like everything else going on in the US. Government provided a service a lot of people liked, private enterprise lobbies to have it shut down and lock people into nickel and diming them.
In terms of private banks, a basic savings account wouldn't really be a big risk for them nowadays because it's a bare bones account. It doesn't include things like access to credit cards or other forms of credits, or any form of long term investments.
If anything, banks might even like the idea, because it gives them a way to offload their riskier (and let's be honest less profitable) customers without making society fully collapse.
If the system is implemented properly it's a win-win for everyone.
I wish that was the case, but there are a lot of people that see government provided services as waste/fraud. I mean look at how the federal government is being eviscerated right now.
It would be nice if everyone could be guaranteed a safe place to manage money though.
Goddammit you are an hour quicker and have found a more readable source for the same comment I wanted to write.
Anyway, this right is granted in paragraph 36 of Directive 2014/92/EU of the European Parliament and of the Council of 23 July 2014 on the comparability of fees related to payment accounts, payment account switching and access to payment accounts with basic features Text with EEA relevance: