With banks it is hard for many reasons. Often they ask too much information and make the process complicated. In other times, if you live somewhere rural you may need to go far away to open your account. Even when you open it, there is no branch close to you and maybe only an ATM at best. For someone who needs help from a bank worker in a branch, this is not useful. So why bother and lose some important money each month to pay for the account?

I think Bitcoin locked in LN is best for this purpose, lowest transfer speed and no monthly fees. But with this there are new problems. One is that there will be very limited acceptance of these payments. Another is having a very friendly application that could easily onboard new people. Most wallets are not really designed for people who don't know crypto. That is why those small community projects where they are trying to create Bitcoin circular economies are great. I am not sure that this problem can be tackled at big scale at once, maybe like that it is the best approach. With each community where this is done successfully, new experience can be gathered which will help with the next community.