the thing is that banks also look at the "cost" per client and they do not want to many "customers" that have little to no money. Those cost the banks to much and as such are silently discouraged.
But all this indeed leads to a higher adoption of alternatives. Now payday loans were a big part but now people are realising they have cheaper options in crypto and this also explains the growth.

The traditional banks and the loansharks are both digging their own graves