It is amazing to hear Alex talk about how his credit score and banking record is stellar and yet they may keep him from using banks.

You got bumped by Paypal.

Some of us have left the dollar and stored our money on the blockchain. Put it in Steem, Dash, or any other useful coin that is fast and nearly free.

I made a major purchase a few months back in less than ten minutes, including explaining digital currency to the owner, the download of a wallet, and the sending of coins.

The answer to your and Alex's problems is an app away.