> There are very few unbanked people in western countries, and so its natural that it would be unusual to come across those use cases there.

In the US it is 6% of adults [1] overall. It is 23% of adults with family incomes below $25k. It's 14% for Black adults and 11% for Hispanic adults.

[1] https://www.federalreserve.gov/publications/2024-economic-we...