>> As a Westerner, getting a credit card is only slightly more complicated than tying my shoes. My world is raining with opportunities to borrow money to go to school, open a store, consolidate loans, or buy an iPhone 6.
A little under 10% in the US are without a bank. And the "Underbanked", people have some type of banking but still use Money Orders and stuff like Payday loans, is over 20%. I wouldn't say "Raining with opportunities" lines up too closely with those people.
Like I said, it's great to see what Bayes Impact is trying to help, but just needed to clarify a bit about the US.
https://www.fdic.gov/householdsurvey/2012_unbankedreport.pdf
Edit: Updated to clarify that this was directed to the tone of the article opening, not the author. I had previously used the word "author" instead of "article"