I never said line of credit. I was making the point that cryptocurrencies offer another means of payment and medium of exchange that is not as restrictive as a credit card. Here’s two articles that show they actually help the underbanked:

[1] http://www.coindesk.com/united-nations-sends-aid-to-10000-sy...

[2] https://www.bloomberg.com/news/articles/2017-06-13/pot-entre...