The question was how/why, not to simply restate it as fact wilit supporting data.
"If the argument is that getting a prescription is such a simple task it should cost almost nothing and be done instantly, then it likely doesn’t need to exist as a barrier at all."
That's not the argument. The argument is that the current system already meets the needs, so what real benefit does OTC provide? It's mostly a counterpoint to someone claiming that it's an overly complicated process. Even if it is cheap and fast, the benefit to an Rx is that someone reads the 6 or so questions off the Epic screen (or the user answers them on online) to ensure there are no interactions or elevated risks.
I'm not saying OTC is the wrong answer, but I'm not seeing any real arguments for real added net benefit from it.
Annual checkup, prescriptions only good for three months, and then typically only allowed to pickup one month dose at a time. That is a huge logistical burden being put on people. Maybe if a prescription was annual and included a year of pills, that would make the OTC case marginally less compelling. Given the status quo, OTC would be an improved quality of life for many.
You can't get a year of pills at one time. These pills expire 1 year from the manufacture date.
'"Likely" isn't enough here'
Why wouldn't it be - just because you say so? Keep in mind the alternative is that they make too much to qualify, which gives them other options.
Keep in mind your definition of unbanked is only about checking and savings accounts. It has nothing covering credit cards or prepaid cards, which are also options. So saying people are unbanked and would likely be burdened isn't enough.