This seems disingenuous. If this system wasn't making money for the people developing it, they wouldn't care at all about 'unbanked' people. Because it does, they can use that as a 'but think of the poor oppressed people' as a lever to shut up critics. It reminds me too much of 'think of the children' that gets used whenever someone criticizes a 'we want to own all the decryption keys' system or similar.