cash cards

As many as 60 million Americans have limited or no access to banking services, and many of them will get tax refunds this spring. Typically, this is where payday lenders come in, cashing the checks for big fees, but now there's a new cashier offering to do it for much less: Walmart.

Marketwatch.com Chief Economist Irwin Kellner sometimes boldly goes where no man has gone before, to cite an old Star Trek phrase, and a few months back Kellner recommended something that seemed truly over-the-top: a $3,000 federal gift card for everyone over age 16. Today, however, I'm not sure...