Marginalised people being left out of financial systems is a huge issue, most homeless people I've spoken to has expressed a lack of being able to bank as a contributing factor, can't get a house without a bank, can't save money without a bank, can't get a job without a bank, if you only hold cash you're a target for robbery and robbery can deplete you to a much larger degree, a homeless person could memorise the words or store off person, have a QR code on a sign which would even allow use of things like block explorers to "know" they're not a fake homeless person (fairly common in the UK and is a cited reason why a lot don't give ot homeless people) not only that but post covid a much larger amount of people are cashless leading to homeless people getting given a lot less money 

 homeless here in Austin are almost all on the needle