I'm being honest here, and possibly naive, but who doesn't have access to affordable banking and check cashing?
Now the loan side of things, that's different.
Generally poor people with no credit or bad credit. At one time this is me.
I was once out of work for 4 months as a youth and just ran out of money. My bank (Wachovia) had an overdraft protection system, so I used it as a line of credit cause I didn't have another resource. I did odd jobs here and there to make some money and would faithfully pay $10 or so to the bank to show I was a client in good standing.
Finally I found work, and when I got my first paycheck I went straight to the bank to happily cash it, and pay off the $160 or so that I had outstanding with them.
When I got there, they told me they had closed my account and I'd have to talk to the personal banker. The Personal Banker then told me they had closed my account and reported me to whatever the governing body is so that I could not open a bank account for 7 years. She was gleeful in telling me this.
Realizing this was not a person I would get far with, I asked if I could at least cash the check so I'd have some money and could pay my debts. She told me "We don't cash checks for people walking in off the streets (at the time I'd had an account with them for 10 years)" and she sent me away.
Now this story has a happy ending as my parents had their mortgage with Wachovia and were able to find somebody with an ounce of sense (hard to find with banks) who re-opened my account and let me pay off my $160 debt.
That being said, if I had not had middle class parents with a Mortgage with Wachovia, and had I not fought the first person I ran into, I would be one of those people having to use a check cashing service. All for an outstanding debt that was never over $200 that I paid regularly on and paid off in full after 4 months.