The thing is... Why do people pay a premium for bitcoin when they can just buy it from an exchange by linking their bank?

I used to sell mined coins for a small markup to people who did not have bank accounts.

Does not have bank account, still want bitcoin ? Who are they ?

Not sure if you are just increasing your post count, but the last time I checked it was not illegal to live without maintaining a bank account.

Of course not. But, not having a bank account and still needing bitcoin is definitely suspicious.