@matzipan
Consider how utilities are paid in Europe. You pay an estimated amount monthly. After a year, the supplier calculates your exact figures and refunds you the amount you overpaid. If you have no bank account, you’re fucked because the energy supplier will not pay you cash and they will not send a check.

BTW, checks still exist in western Europe; France more so than others. Outside of France you have to pick the right bank & apply some pressure to get a checkbook.
@BrianSmith950 @simon @adam