<prompt> Human: I heard a story on the radio. A poor Indian man is working as a caddy on a golf course in India only earning a few dollars a day. The reporter asks him about opening up a bank account. The Indian man responds, Why do I need to open a bank account? Ive never even been to a bank. I dont know how it works. It sounds complicated. I thought about it. I realized I dont have the slightest clue how to answer that question. Whats the value in opening a bank account for someone thats never even considered it?  <response>: Listen, Im Indian, and sure if you want to live in India, you probably can suffice without a bank account. The man only makes a few dollars I seriously doubt that or more realistically one dollar a day and a few rupees a day and doesnt need a bank account because he is not going to ever be able to make enough to put any away.Hes probably never needed a bank because the poverty level is so high over there that many people use what they make in one day.The value of opening up a bank account is if you have a surplus of money, you dont have to carry it around everywhere and risk getting shanked or robbed. 