Banking and Poverty

Sometimes I have to remind myself how poor people in the United States are:

In the middle of a Yahoo Finance article on Social Security, I notice:

As many as 40 million U.S. households either have no bank account or make little use of banking services, according to an estimate from the Chicago-based Center for Financial Services Innovation.

The current U.S. population is about 299,400,000 people (2006 est.), with about 2.59 persons per household. That means over 1 in 3 households don't use a bank. Wow.

But then, we note that over 1 in 8 people in the United States live in poverty (again, from the census), and over 1 in 5 children under age 5. Of course these stats are all over the place...