Add 4) the inability to understand that checks take time to clear and if the ATM screen says your balance is $200, you cannot withdraw $140 if you wrote a $100 check earlier that day.
They ought to concentrate on educating school kids in the basic financial facts of life. We had small school savings accounts when I was a kid..taught us to write checks etc.
Kids shouldn’t graduate from grade school without knowing this stuff and having their own little savings account.
Let the illegals and idiots pay even more for cashing their checks..get them to clean up their act.
Next thing you know..they will have the state cashing their checks..even if they bounce.