Banks still failing the poor

As this government try to get people's benefits put straight into bank accounts. According to the BBC business web site this week banks are still putting obstacles in the way of the poorest people like very stringent identity checks . It is staggering to find that 3.3 million people in this country do not have bank accounts and after interviewing a few people in hostels and that are living on the streets this has not change since the subject was brought to my attention some months ago. This government need to make agreements with banks because as I see it everyone in this country has an insurance number and that number is unique and for that person only there are no duplicate numbers so what's the problem? Debt seems to be the major stumbling block but if the banks set up a simple basic account then there shouldn't be any. An account where they cannot be over drawn is so simple.