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Regulators are making noises about ensuring the underbanked have honest access to affordable credit. Say you will get by with no bank account and handle to never need loans. You could possibly, after all, depend on that old standby, money. But protecting the mandatory amount of money on you (or in your own home for that matter) isn't precisely safe. It additionally means you can't obtain electronic paychecks and, more importantly, can't bid on that porcelain terrier you have been coveting on eBay. For these reasons and more, some unbanked or underbanked people use pre-paid debit playing cards, which are simply what they sound like - cards that may be loaded and reloaded with small, medium and enormous sums of cash (typically at an ATM) and then used for digital funds (on the gas pump, on the grocery store, on-line, and many others.). Again, in principle, they sound like a good suggestion, especially if you do not have a bank account. However, evidently much work stays to re...

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