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My uncle survived for about 20 years with no bank account and very little credit. He had one credit card that he'd gotten years ago and he worked the same job (construction) for the same company all those years. The owner of the company knew him and liked him so he paid him in cash. Each payday he got a check stub showing taxes taken out and earnings, but instead of a check he got cash. He got money orders to pay his rent and other bills and anything extra he put in a small safe he had.
After about 20 years of living like this he retired and had to get a bank account for some of his retirement stuff because they wanted to do direct deposit. He said when he went into a bank to get an account and told them that he hadn't had an account ins about 20 years they looked at him like he was an alien.
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