Banking is ....... 21. essential building block to reach greater prosperity and help build a better system ....... 22. financial services can create a path out of poverty. However, big traditional banks often exclude low income populations ....... 23. requirements or by using historically discriminatory practices that keep ....... 24. low-income customers ....... 25. from formal finance. Modern lifestyles are predicated ....... 26. debt. If you have a stable and reliable income have a bank account with access to a range ....... 27. to modern financial products, you can manage your debts efficiently. This ....... 28. what the entire financial system is for. But debt ....... 29. a lifetime's trap if you don't have easy access to ....... 30. financial products.