6:20 and I'm finally reading the Times

Did you see the lead to the piece in the Times today titled, City’s Poor Still Distrust Banks?:

In 1986, when the Lower East Side had just one bank in a 100-square block area...

Today, despite a bank branch on seemingly every corner throughout the city, the article notes:

In Manhattan, long the world’s banking capital, 12 percent of households still do not have a bank account... 91,100 Manhattan households feel more comfortable hiding their savings in closets, in pillows — even in brown paper lunch bags. They rely on check-cashers and corner bodegas for cash and post offices for money orders, even as banks are more accessible than ever: the Federal Deposit Insurance Corporation reports 682 banks in the borough in 2008, compared with 521 in 2004 — a more than 30 percent increase.