1) If you're in poverty (15% of Americans) your checks from the gov't are direct-deposit. Getting swindled not only catches whatever salary was currently in the account, and racks up penalties for whichever bills you currently just didn't pay, but it takes time to get your direct deposit redirected to another account (and open a new account). Those bounced checks during the time you got swindled? That can be enough to bar you from opening a new account, which is part of why "Check Cashing" stores thrive in low-income areas.
2) If you're not in poverty, and your employer direct-deposits, all of the above, only you can change your direct deposit destination faster.
