How important is a bank account

How important is a bank account in the United States of America? Several black people in the country do not own a bank account. They predominantly use cash for their transactions. However, America runs on credit which a lot of people don't understand. Neither do they understand the importance of it in the American society. Credit is developed by being a part of the financial system. this system is what a lot of black people fear. they fear it mostly because they don't understand it. Credit is needed to rent an apartment, buy a car, buy a house the whole works. It's time to change the narrative about the importance of bank accounts.