Being unbanked is not easy.

There are whole swaths of reality that are just off limits.
It is like 'everyone is now shopping on Amazon'... except all these people who have to go to a store, buy a prepaid CC, and a prepaid phone card, in order to then go on Amazon.

It is that businesses really do not want to deal with the cash-only crowd.
The unbanked or unwashed masses.

For these people you do not have well lit isles stocked with stuff to peruse.
You have bullet proof glass and a steel door you slide the merch out of.

So, in essence, the unbanked are being unpersoned.