This is extremely reductive and oblivious to the actual realities of banking in various countries.

I think you will be hard-pressed to find a country that does not have a single bank that can serve those w/out smartphones. If you find such a country, plz post about it in !smartphone_required@lemmy.sdf.org and send me the link. Then we may be able to make a case for ppl in that specific country not being boot-lickers, if at the same time being unbanked is illegal.

If you think it’s easy to be “unbanked” then I would suggest that you try it yourself first.

I have been simulating an unbanked life for years now. 5 creditors are threatening lawsuits for non-payment after refusing my cash. One took me to court and it was an easy win for me. I just appeared without a lawyer and pointed to the law.

It’s also worth noting that unbanked is more extreme that simply choosing a bank that does not require a smartphone.