(I am actually curious; who are these people who do not have a bank account but use Monero?)
they can use Monero as well, not instead. As there are lots of other interchangeable options for non-banked or unhosted crypto payments and commerce.
> (I am actually curious; who are these people who do not have a bank account but use Monero?)
to me, your question is similar to asking "who are these people that use their cell phone in a subway tunnel" after cellular service was extended underground. the similarity being that the answer is "I don't know" and "you're not going to get a dissertation or a source about it, people just use whats available" and "who cares". What I wrote earlier is just a list of what happens when the expanded availability is there.
Notbanked
Sansbanked