I think you overestimating it - there are not a lot of people that have bank accounts with payments coming out of them that keep balances below $10. Most of people that are poor enough so that $10 is a real issue for them would not even have a bank account.
> $10 that to them would likely be more money than they ever had
I have hard time to believe for most 14-year-olds $10 would be "more money that they ever had", in this day and age. For 5 year old, sure. But typical 14 year old not ever having a price of two sandwiches in Subway (or one in a fancier place, or a meal in a relatively cheap restaurant)? I don't believe it.
> I'm sure some people would miss payments or have other inconveniences affect them.
Like lots of people that had the balance of exactly 1 cent and had their rent payment of exactly 1 cent coming in. That doesn't sound ridiculous at all :)
I think you're reaching here. That's not the point anyway - the point is that these things are not just numbers, and are not directly comparable and workable using simple arithmetics.
> $10 that to them would likely be more money than they ever had
I have hard time to believe for most 14-year-olds $10 would be "more money that they ever had", in this day and age. For 5 year old, sure. But typical 14 year old not ever having a price of two sandwiches in Subway (or one in a fancier place, or a meal in a relatively cheap restaurant)? I don't believe it.
> I'm sure some people would miss payments or have other inconveniences affect them.
Like lots of people that had the balance of exactly 1 cent and had their rent payment of exactly 1 cent coming in. That doesn't sound ridiculous at all :)
I think you're reaching here. That's not the point anyway - the point is that these things are not just numbers, and are not directly comparable and workable using simple arithmetics.