It's really unfortunate the number of people who are un-banked, but there are tons of players in this to blame (and this perspective is from a libertarian banker):
The Banks: NSF fees were originally assessed to offset the cost/risk of charged off accounts, then these grew exponentially and banks used this income to offer lower loan rates to borrowers. A long term trend of Bank net interest margin shows this.
The Government: Recent regulation that limits these just caused minimum balance requirements to go up. Debit card income also being regulated didn't help this population. The fed's low interest rate policy also decreased the value of consumer deposit accounts to banks.
Education: There's no requirement for kids to be taught personal finance. If their parents don't teach kids about balancing a checking account and borrowing money, the young adults make the money mistakes early in life when they have less income to compensate for it.
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