Financial resource at a household level are the building block on which an Economy is built. And experience is that a convenient mechanism for savings is as much or of even greater importance than credit.
Before promoting ’financial inclusiveness’, it must be defined. The world of advocacy uses the terminology loosely. Scholarship must be more rigorous. Ask, what is the boundary of financial inclusion in the dynamics of the state, market and society? That dynamics determines access to financial services across the jurisdiction.