What, in your opinion, is the sensitive and inclusive way to discuss a category of business that the author can fairly assume a significant fraction of the userbase has never interacted with? Should the author discard that assumption and presume every reader is deeply familiar with check cashing instead? We know, with reasonable statistical evidence from the FDIC, that this alternative assumption is untrue.

I ask because there is, as far as I can tell, no obvious way to do it. You could just as easily write an essay talking about carrier-provided phone financing, and it would expose a similar cultural rift where most Americans don't do that and are only very vaguely familiar with how it works.

Or is the glaring thing that you dislike here the clearly stated assumption that most of the readership is not like you? In which case perhaps we should simply request that authors not state such assumptions while they make them anyway in the interests of being maximally informative.