Oh there are, all those cheque cashing places for example, and they're under-regulated, so not too great either.

Still paying a larger fee to cash a cheque sure beats having all your assets frozen entirely.

Check cashing isn't banking though. I mean why aren't there banks that can be sustainable without overdraft fees? I get the idea of a fee if they cover a charge in which funds aren't available. But can't a debit card simply decline if no funds are available - hence the bank never covers an unfunded charge and thus never charges overdraft fees? Are there not other ways to monetize banking for low cash flow individuals?

Banks don’t really exist to help people save money anymore. For the most part, they exist to extract fees from people who keep money there and from borrowers.

In addition to overdraft fees, banks charge monthly fees if you don’t maintain a high balance or regularly make direct deposits. This is how they “monetize” poor people. In reality the result is that these people go unbanked and simply keep cash.