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Blergh. This topic is very timely, and very salient exactly right now. Guess where I am: That's right. The Walmart money center with a dozen people in front of me and even more behind me. You know what else poor people don't have? Access to easy money systems. It's crazy. I've been in this line 20 minutes already and expect at least 10 more. Time is a luxury I have. Most working poor don't. I don't mind taking this time for a friend in a pinch. But holy crap - if your world depends on this solution for cashing a check or paying a bill??? Access.