I've been poor, and no one would let me have even one bank account. On payday, two trucks would pull into the factory parking lot. One would cash my check (for 4% of it), and the other would sell me snow cones and hot dogs.

I would line up with the other poor people who were too stupid not to have multiple bank accounts, even though like me they may have had a bank branch a block from their apartment (that had already turned them down.)