How the Other Half Banks
The United States has two separate banking systems--one serving the well-to-do and another exploiting everyone else. Deserted by banks and lacking credit, many people are forced to wander through a Wild West of payday lenders and check-cashing services thanks to the effects of deregulation in the 1970s that continue today. In "How the Other Half Banks," legal scholar Mehrsa Baradaran proposes a solution: reenlisting the U.S. Post Office in its historic function of providing bank services.
Baradaran, Mehrsa, "How the Other Half Banks" (2015). Popular Media. 216.