If we are unbanked and it is hard for us to approach a real bank, there is always Bitcoin which is said also created for the unbanked. The last thing that you said is scary but I think this isn't true at all. We only think there is no option but there is actually if we open our minds really well.
Visit me. On your own risk though, just being not from here makes you a victim. Most people have a smart phone. They don't know what a wallet is. The San Salvador project has similar experiences. Only a few Businesses accept USDC, or any other coin. The US$ reigns.
It's the vanguard, the world is marching into another dark age, thanks to the lack of parenting, social media and the use of the calculator in schools.