Many people don't use banking services at all. It's pretty common to cash a paycheck and then manage a weekly or monthly budget by dividing up the cash into "accounts" -- put this much aside for rent, this goes away into my rainy day stash, this is what I'll use for groceries, etc. People do it for many reasons, but usually it's a combination of bad credit, distrust of banks, or distrust of themselves if they take advantage of credit. It could also be that it's unreported income, of course. So, with this product, Amazon gives cash-first or cash-only people a way to buy things online.