Even if a person lives at some part of the world where he cannot have internet or something, it doesn't matter. Even with modest SMS messaging on your basic phone, you can transact business globally. You are the bank. Buy, sell and trade worldwide, with no banking fees. No car, debit card or ID required.
That's why the BTC's model is scalable, you can't reach those people (4 BILLION people are right now without fully functioning banking system) with the current banking model.