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>> ...and the time and sophistication to know about "neobanks," choose one, and sign up.

> Chime has 13.1 million accounts.

That kind of proves my point. There are more than 300 million people in the US, and they've only reached 4%. Hardly the kind of thing that will solve the problem for less sophisticated people.

Also, the problem of unbanked/underbanked people exists despite them, so that's another clue that they're not the solution.



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