You’re referring to “basic” accounts. Those are crippled accounts (e.g., no cash services). There is no way to get the cash into a basic account. Basic accounts are also not gratis. You generally pay more for less, as retail accounts are sometimes gratis. But retail accounts are harder to get.
There is also the scenario that some people are unbanked /by choice/. They should be able to retain their human rights like right to autonomy as they pursue their human right to a fair trial.