Instead, the unbanked appear to be more comfortable with businesses that they have long used in place of banks, a variety of alternative financial service (AFS) providers.

FORBES: Why 7.7% of Americans Are Unbanked

In fact, many high schools (secondary schools) around the US support a traditional foreign exchange student club and national organization, the American Field Service (AFS), founded by WWI ambulance drivers like Mr. Patch.

BBC: Have your say: Harry Patch