The poor people have bank accounts, because if you're poor and getting some gov't assistance, that gets transferred to a bank account (I mean, how else? No non-financial institution or gov't agency is going to employ tellers handing over cash directly, they all use banks for that, and checks aren't used); it's general EU policy that basic financial services (bank accounts, bank transfers, electronic bill paying, card payments) should be available to everyone including the very poorest. Even a homeless, unemployed drug addict would be expected to have access to these services.