I&#x27;ve often wondered about the reasons someone might be unbanked.  I&#x27;ve only ever considered the lack of immigration status or proof of address, as most unbanked people I&#x27;ve come in contact with were Latin American immigrants to the United States.  I&#x27;ve never considered the &quot;playing close to $0&quot; and the effect it could have if your account was closed and you were placed on a blacklist.  That would seem to underline the parent commenter&#x27;s assertion that money transfer should be treated as a right.