If you really just want everyone to have access to banking, create post banking. [1] Then, if you really just want everyone to get monthly checks from the government, deposit them electronically. That’s all you need to do. This already works in many countries. It can even work in the US with a bit of spit and polish (we used to have a post banking service and it’s been proposed to be reinstated).
As a german I don't see it. We had the "Postbarscheck", which is now gone. Since maybe about 20 years? That is not the direction they/them/the Reptiloids want to march the human cattle in. There need to be more efficient 'dig it all' threadmills. Anyways. Don't care. Am banked. Multiple times. Even have Alipay, Yay!
[1] https://en.m.wikipedia.org/wiki/Postal_savings_system