One of the flaws of policy circles is that they assume the unbanked are victims. The term, for that sector, is a proxy for the desire and recognition of people lacking access to capital and services, which is what the policy circle really wants to occur and being in the banking system had been the route to that for so long.

Now it is not necessary, with peer to peer digital cash operating in a parallel economy, that allows access to goods, services, investments, insurance, capital and more.