We also have the underbanked which is those who have banking and financial services that exist but are not up to par. Usually, at the root of this, is corruption i.e. a banking system someone would not want to use since it is nothing more than outright thievery.
I saw a video with Antonopolous where he pegs this figure at over 5B. According to his research, there are under 2B will reliable banking.
What you state about it not being an option is why many feel that cryptocurrency's mass adoption will come from the third world nations as opposed to the West. The West as the option, third world nations have none.
Tokens = freedom...this is a point that needs to be driven home.