Wouldn't that be a good item for a government at some level to look in to? Life without a working bank account would seem unreasonably hard to me.

The US government looks at this occasionally but banking lobbyists keep convincing them not to do much. https://www.fastcompany.com/90683033/the-post-office-is-fina...

If you cannot manage to get a bank account, then you have problems that the government is not going to be able to fix.

I'd like to think that when we build a society and designate people to run governing functions, this would be one of the jobs we would like them to carry. At least, that's how it works here. Make sure that people are enabled to be members of society.

Britain doesn't agree, so there are rules requiring the banks to offer basic accounts to those who would otherwise be ineligible.

https://www.moneyhelper.org.uk/en/everyday-money/banking/bas...