I’d let you know my views, but it wouldn’t help, since they’re the same as yours. ;)
On a related note are the check cashing services, that charge rates of 10% or more. If one has reason not to open a bank, credit union, or S&L account, then I guess it is just the price they have to pay...same as for those who want the money NOW, instead of waiting for their tax refunds to arrive.
Fools and money; even Solomon had things to say about them 3,000 years ago. Still true today, the only difference being a greater number of fools in the world.
Anyone who lets state and federal government keep a significant portion of their income interest free is an idiot.