So how do you cope without a bank account? I'd be interested to hear that story.
Where I am (the UK), the govt legislated to provide basic bank accounts ( no overdraft facility, just an account with a debit card) at the Post Office for those people who simply couldn't get bank accounts on the high street. It's because our govt supports people with welfare, and it was a nuisance paying them their benefits with cash, Her Majesty's Govt wanted to save money by paying people with direct deposit. Does that kind of thing not happen where you are?
So you have two classes of people, one that gets financial privacy and one that doesn't? I guess that's better than having one class that cannot make large purchases.