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.
This is one of the greatest advantages of bitcoin, institutions like banks, need building, banking licenses, employees, etc. But with bitcoin you dont need even a computer or phone; you just need access to those for a few minutes, so as long as you have access to a cyber café you can send payments all over the world.