If you’re unbanked, that is a you problem.
Refugees and poor people don't exist. I forgot. (I live near a refugee facility and bus drivers here don't accept cash anymore, while most of the ticketing machines have been removed from the bus stops ... fun. Essentially people who come here are almost forced into riding the bus without a ticket, at least a couple of times. In Germany, that is a criminal offense and can lead to extradition.)
the banks shan’t know what i spend my paycheck on
They legitimately shouldn't. And neither should my supermarket/drug store be able to collect all my receipts to find out whether I am sick or pregnant.