Private sales of cars are one of the most common cash transactions. The amounts make such transactions potentially dangerous, so it would be nice if there was a safe, simple way to exchange larger amounts.

For myself, when I purchase a used car, the exchange occurs at my bank if the seller wants cash. I get the keys and the ownership documentation and the seller gets the cash. The seller leaves. I leave. No risk involved.

I saw in the one nearest me that they have one of those coin counting machines that charges a few cents on the dollar to count loose change, but if you take the money in the form of walmart gift card there is no charge.

for these services but it is lower than monthly banking fees.

Commercial banking services for lower income people tend to be predatory, with very high rates and fees.

Wal-Mart will pursue it's regular strategy of entering the market with lower prices than its competitors, and then raise their prices when their competitors go out of business or leave town.

A Post Office Bank could put an end to all this predation, offering low cost and free direct deposit accounts, debit cards, and money transfers. This would make the "low income" money business much less attractive to the sharks.