One of the biggest scams perpetuated upon the poorer classes is the payroll debit card. A service offered by hypothetically legitimate banks, a payroll debit card is a financial product for the "unbanked" - the millions of Americans who are on ChexSystems' shitlist and therefore barred from using ordinary financial products. This is an example of an "unbanked financial product" - any financial product designed specifically to target people banned from engaging in traditional finance.
