Well, the alternative would've been us all going to the banks to set up accounts, and explaining all the workings to people from places with no banks would've made the bankers strike in no time since they're used to having easy lives, so my guess is that the authorities just set up a bunch of dummy accounts and then allocated them to us in the simplest way possible. Or maybe this is just how everybody does it here.

[What's with this apparent prejudice against bankers... anyway, he asks for her phone and walks her through all the steps!]

See? Now whenever you want cash again you have to remember this number. Best write it down somewhere, but backwards at least, for basic encryption. And keep it safe from other people!

[It may be a lot to take in, but at least she has cash now!]